Home > Community Bank Owatonna > Performance and Condition Ratios
Community Bank Owatonna, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 2,650 |
| Cost of funding earning assets | 2.3873% | 1,061 |
| Net interest margin | 2.8463% | 3,643 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.2956% | 2,854 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.3237% | 3,832 |
| Return on assets (ROA) | 0.3237% | 3,855 |
| Pretax return on assets | 0.4216% | 3,815 |
| Return on Equity (ROE) | 5.3600% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.3639% | 2,474 |
| Net charge-offs to loans | 0.4628% | 279 |
| Credit loss provision to net charge-offs | 57.3333% | 1,512 |
| Earnings coverage of net charge-offs (x) | 1.8933% | 2,099 |
| Efficiency ratio | 79.1483% | 996 |
| Assets per employee ($millions) | 9.4748% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 3,740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,510 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 69.0600% | 1,944 |
| Net loans and leases to deposits | 75.0112% | 2,486 |
| Net loans and leases to core deposits | 90.0809% | 2,046 |
| Total domestic deposits to total assets | 92.0700% | 267 |
| Equity capital to assets | 6.0930% | 4,238 |
| Core capital (leverage) ratio | 7.5953% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4709% | 2,621 |
| Memoranda: | ||
| Average total assets | $93,919,000 | 3,826 |
| Average earning assets | $87,129,500 | 3,806 |
| Average equity | $5,667,500 | 4,193 |
| Average total loans | $64,822,000 | 3,650 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 3,150 |
| Cost of funding earning assets | 2.4463% | 1,259 |
| Net interest margin | 2.5217% | 3,876 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.2150% | 3,081 |
| Loan and lease loss provision to assets | 0.3600% | 320 |
| Net operating income to assets | 0.0293% | 4,143 |
| Return on assets (ROA) | 0.0293% | 4,171 |
| Pretax return on assets | 0.0152% | 4,168 |
| Return on Equity (ROE) | 0.4800% | 4,146 |
| Retained earnings to average equity (ytd only) | -4.8890% | 4,289 |
| Net charge-offs to loans | 0.5779% | 258 |
| Credit loss provision to net charge-offs | 91.1846% | 2,018 |
| Earnings coverage of net charge-offs (x) | 0.9504% | 2,952 |
| Efficiency ratio | 85.5346% | 706 |
| Assets per employee ($millions) | 9.3090% | 954 |
| Cash dividends to net income (ytd only)* | 1,111.1111% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,537 |
| Loan loss allowance to noncurrent loans | 580.3922% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,934 |
| Noncurrent loans to loans | 0.1602% | 2,883 |
| Net loans and leases to total assets | 67.7400% | 2,171 |
| Net loans and leases to deposits | 73.0441% | 2,729 |
| Net loans and leases to core deposits | 86.9539% | 2,330 |
| Total domestic deposits to total assets | 92.7400% | 190 |
| Equity capital to assets | 5.9749% | 4,213 |
| Core capital (leverage) ratio | 7.7956% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7900% | 2,586 |
| Memoranda: | ||
| Average total assets | $92,099,200 | 3,847 |
| Average earning assets | $84,862,800 | 3,829 |
| Average equity | $5,584,000 | 4,192 |
| Average total loans | $62,818,800 | 3,657 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 3,175 |
| Cost of funding earning assets | 2.4170% | 1,318 |
| Net interest margin | 2.4990% | 3,899 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.1977% | 3,087 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 0.1248% | 4,086 |
| Return on assets (ROA) | 0.1248% | 4,114 |
| Pretax return on assets | 0.1466% | 4,107 |
| Return on Equity (ROE) | 2.0500% | 4,017 |
| Retained earnings to average equity (ytd only) | 2.0514% | 3,449 |
| Net charge-offs to loans | 0.6942% | 192 |
| Credit loss provision to net charge-offs | 46.3190% | 2,072 |
| Earnings coverage of net charge-offs (x) | 0.7730% | 2,711 |
| Efficiency ratio | 85.7305% | 724 |
| Assets per employee ($millions) | 9.3051% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 4,075 |
| Loan loss allowance to noncurrent loans | 340.1515% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 2,764 |
| Noncurrent loans to loans | 0.2079% | 2,701 |
| Net loans and leases to total assets | 67.7600% | 2,117 |
| Net loans and leases to deposits | 73.4872% | 2,711 |
| Net loans and leases to core deposits | 89.3278% | 2,196 |
| Total domestic deposits to total assets | 92.2100% | 160 |
| Equity capital to assets | 6.3900% | 4,263 |
| Core capital (leverage) ratio | 8.1279% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7326% | 2,618 |
| Memoranda: | ||
| Average total assets | $91,851,500 | 3,860 |
| Average earning assets | $84,512,000 | 3,852 |
| Average equity | $5,589,500 | 4,215 |
| Average total loans | $62,610,750 | 3,675 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 3,276 |
| Cost of funding earning assets | 2.3871% | 1,282 |
| Net interest margin | 2.4156% | 3,980 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.2110% | 3,044 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.1553% | 4,057 |
| Return on assets (ROA) | 0.1553% | 4,086 |
| Pretax return on assets | 0.1815% | 4,086 |
| Return on Equity (ROE) | 2.6000% | 3,936 |
| Retained earnings to average equity (ytd only) | 2.5957% | 3,148 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.1534% | 606 |
| Assets per employee ($millions) | 8.1372% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 2,949 |
| Loan loss allowance to noncurrent loans | 145.0766% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 1,318 |
| Noncurrent loans to loans | 0.7357% | 1,268 |
| Net loans and leases to total assets | 68.6600% | 2,051 |
| Net loans and leases to deposits | 74.6871% | 2,651 |
| Net loans and leases to core deposits | 91.7197% | 2,027 |
| Total domestic deposits to total assets | 91.9300% | 278 |
| Equity capital to assets | 6.0765% | 4,197 |
| Core capital (leverage) ratio | 8.2158% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7981% | 2,327 |
| Memoranda: | ||
| Average total assets | $91,451,667 | 3,884 |
| Average earning assets | $84,035,667 | 3,875 |
| Average equity | $5,470,667 | 4,231 |
| Average total loans | $62,314,000 | 3,685 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 3,286 |
| Cost of funding earning assets | 2.2903% | 1,356 |
| Net interest margin | 2.4317% | 3,965 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.1726% | 3,136 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.1991% | 3,976 |
| Return on assets (ROA) | 0.1991% | 4,015 |
| Pretax return on assets | 0.2424% | 3,983 |
| Return on Equity (ROE) | 3.3500% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.3537% | 2,881 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.6091% | 703 |
| Assets per employee ($millions) | 8.4058% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,101 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.7100% | 2,269 |
| Net loans and leases to deposits | 70.8084% | 2,828 |
| Net loans and leases to core deposits | 88.0597% | 2,167 |
| Total domestic deposits to total assets | 92.8000% | 212 |
| Equity capital to assets | 5.8823% | 4,231 |
| Core capital (leverage) ratio | 7.9418% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0395% | 2,225 |
| Memoranda: | ||
| Average total assets | $92,423,000 | 3,889 |
| Average earning assets | $84,878,500 | 3,883 |
| Average equity | $5,486,500 | 4,250 |
| Average total loans | $62,412,500 | 3,690 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 3,114 |
| Cost of funding earning assets | 1.7283% | 1,395 |
| Net interest margin | 2.7623% | 3,728 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.1411% | 3,289 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4203% | 3,824 |
| Return on assets (ROA) | 0.3955% | 3,869 |
| Pretax return on assets | 0.5131% | 3,784 |
| Return on Equity (ROE) | 7.1200% | 3,250 |
| Retained earnings to average equity (ytd only) | -2.9660% | 4,329 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7778% | 1,085 |
| Assets per employee ($millions) | 9.2382% | 905 |
| Cash dividends to net income (ytd only)* | 141.6431% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,395 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.9900% | 2,037 |
| Net loans and leases to deposits | 73.3016% | 2,668 |
| Net loans and leases to core deposits | 89.7859% | 2,067 |
| Total domestic deposits to total assets | 92.7500% | 202 |
| Equity capital to assets | 5.9903% | 4,238 |
| Core capital (leverage) ratio | 7.9204% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7535% | 2,638 |
| Memoranda: | ||
| Average total assets | $89,253,200 | 3,923 |
| Average earning assets | $81,235,200 | 3,917 |
| Average equity | $4,956,200 | 4,266 |
| Average total loans | $58,474,000 | 3,731 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 3,100 |
| Cost of funding earning assets | 1.6083% | 1,356 |
| Net interest margin | 2.7934% | 3,731 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1867% | 3,115 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4084% | 3,951 |
| Return on assets (ROA) | 0.4084% | 3,943 |
| Pretax return on assets | 0.5169% | 3,878 |
| Return on Equity (ROE) | 7.5100% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.5092% | 2,141 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9016% | 943 |
| Assets per employee ($millions) | 9.0640% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.9000% | 2,459 |
| Net loans and leases to deposits | 68.5068% | 2,943 |
| Net loans and leases to core deposits | 83.9165% | 2,329 |
| Total domestic deposits to total assets | 93.2700% | 264 |
| Equity capital to assets | 5.3575% | 4,180 |
| Core capital (leverage) ratio | 8.1106% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5061% | 2,451 |
| Memoranda: | ||
| Average total assets | $88,471,000 | 3,942 |
| Average earning assets | $80,329,500 | 3,942 |
| Average equity | $4,811,750 | 4,284 |
| Average total loans | $57,234,750 | 3,751 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,157 |
| Cost of funding earning assets | 1.4479% | 1,342 |
| Net interest margin | 2.8204% | 3,791 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2040% | 3,061 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4194% | 3,971 |
| Return on assets (ROA) | 0.4194% | 3,976 |
| Pretax return on assets | 0.5219% | 3,926 |
| Return on Equity (ROE) | 7.6700% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6715% | 2,080 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.8744% | 929 |
| Assets per employee ($millions) | 8.8329% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.1900% | 2,250 |
| Net loans and leases to deposits | 70.0943% | 2,779 |
| Net loans and leases to core deposits | 83.8884% | 2,218 |
| Total domestic deposits to total assets | 93.0100% | 255 |
| Equity capital to assets | 5.7252% | 4,227 |
| Core capital (leverage) ratio | 8.0964% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3848% | 2,511 |
| Memoranda: | ||
| Average total assets | $87,748,000 | 3,965 |
| Average earning assets | $79,704,333 | 3,972 |
| Average equity | $4,797,000 | 4,310 |
| Average total loans | $56,805,000 | 3,770 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 3,282 |
| Cost of funding earning assets | 1.3154% | 1,199 |
| Net interest margin | 2.7669% | 3,991 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2411% | 2,983 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3705% | 4,135 |
| Return on assets (ROA) | 0.3705% | 4,086 |
| Pretax return on assets | 0.4253% | 4,096 |
| Return on Equity (ROE) | 6.9400% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.9424% | 2,510 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9398% | 708 |
| Assets per employee ($millions) | 8.1429% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.9200% | 2,564 |
| Net loans and leases to deposits | 65.1464% | 3,001 |
| Net loans and leases to core deposits | 79.8753% | 2,266 |
| Total domestic deposits to total assets | 93.5100% | 230 |
| Equity capital to assets | 5.2617% | 4,380 |
| Core capital (leverage) ratio | 8.1171% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4405% | 2,865 |
| Memoranda: | ||
| Average total assets | $87,457,500 | 4,024 |
| Average earning assets | $79,366,000 | 4,023 |
| Average equity | $4,667,000 | 4,381 |
| Average total loans | $56,117,500 | 3,820 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 2,607 |
| Cost of funding earning assets | 0.5614% | 1,060 |
| Net interest margin | 3.1101% | 3,155 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3332% | 2,635 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.5272% | 4,039 |
| Return on assets (ROA) | 0.5272% | 3,998 |
| Pretax return on assets | 0.7046% | 3,838 |
| Return on Equity (ROE) | 8.1100% | 3,359 |
| Retained earnings to average equity (ytd only) | -1.4316% | 4,462 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.9701% | 1,119 |
| Assets per employee ($millions) | 7.7585% | 1,458 |
| Cash dividends to net income (ytd only)* | 117.6471% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.2300% | 2,014 |
| Net loans and leases to deposits | 70.9350% | 2,494 |
| Net loans and leases to core deposits | 82.9386% | 1,937 |
| Total domestic deposits to total assets | 93.3700% | 332 |
| Equity capital to assets | 5.4146% | 4,265 |
| Core capital (leverage) ratio | 8.4779% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2583% | 2,658 |
| Memoranda: | ||
| Average total assets | $80,618,400 | 4,123 |
| Average earning assets | $73,919,600 | 4,112 |
| Average equity | $5,238,800 | 4,407 |
| Average total loans | $52,322,400 | 3,857 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6071% | 2,322 |
| Cost of funding earning assets | 0.4664% | 899 |
| Net interest margin | 3.1407% | 2,800 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.3985% | 2,338 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5119% | 4,048 |
| Return on assets (ROA) | 0.5119% | 3,996 |
| Pretax return on assets | 0.6714% | 3,854 |
| Return on Equity (ROE) | 7.5400% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.5401% | 2,174 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.2540% | 1,054 |
| Assets per employee ($millions) | 8.1434% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,462 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.4900% | 1,835 |
| Net loans and leases to deposits | 71.2881% | 2,265 |
| Net loans and leases to core deposits | 78.1964% | 2,024 |
| Total domestic deposits to total assets | 93.2700% | 508 |
| Equity capital to assets | 5.4203% | 4,156 |
| Core capital (leverage) ratio | 8.8083% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5104% | 1,872 |
| Memoranda: | ||
| Average total assets | $79,437,250 | 4,167 |
| Average earning assets | $72,891,500 | 4,150 |
| Average equity | $5,393,250 | 4,426 |
| Average total loans | $51,130,500 | 3,895 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 2,172 |
| Cost of funding earning assets | 0.3862% | 1,014 |
| Net interest margin | 3.1037% | 2,523 |
| Noninterest income to average assets | 0.2666% | 3,574 |
| Noninterest expense to average assets | 2.4070% | 2,207 |
| Loan and lease loss provision to assets | 0.0762% | 1,266 |
| Net operating income to assets | 0.4900% | 3,923 |
| Return on assets (ROA) | 0.4900% | 3,870 |
| Pretax return on assets | 0.6398% | 3,732 |
| Return on Equity (ROE) | 6.7486% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.7486% | 2,069 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0732% | 1,169 |
| Assets per employee ($millions) | 8.0489% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.8337% | 1,821 |
| Net loans and leases to deposits | 70.0739% | 2,191 |
| Net loans and leases to core deposits | 76.4231% | 1,981 |
| Total domestic deposits to total assets | 92.5220% | 646 |
| Equity capital to assets | 6.2095% | 4,130 |
| Core capital (leverage) ratio | 8.7569% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5357% | 2,276 |
| Memoranda: | ||
| Average total assets | $78,771,667 | 4,217 |
| Average earning assets | $72,493,000 | 4,218 |
| Average equity | $5,719,667 | 4,444 |
| Average total loans | $49,943,000 | 3,958 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 2,122 |
| Cost of funding earning assets | 0.4179% | 781 |
| Net interest margin | 2.9698% | 2,596 |
| Noninterest income to average assets | 0.2618% | 3,563 |
| Noninterest expense to average assets | 2.4283% | 2,078 |
| Loan and lease loss provision to assets | 0.0770% | 1,066 |
| Net operating income to assets | 0.3799% | 3,999 |
| Return on assets (ROA) | 0.3799% | 3,963 |
| Pretax return on assets | 0.4929% | 3,878 |
| Return on Equity (ROE) | 4.8680% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.8680% | 2,641 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9932% | 1,071 |
| Assets per employee ($millions) | 7.8749% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.3563% | 1,814 |
| Net loans and leases to deposits | 67.9682% | 2,158 |
| Net loans and leases to core deposits | 71.9161% | 2,122 |
| Total domestic deposits to total assets | 91.7434% | 678 |
| Equity capital to assets | 6.9880% | 4,224 |
| Core capital (leverage) ratio | 8.7994% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1979% | 2,529 |
| Memoranda: | ||
| Average total assets | $77,913,000 | 4,244 |
| Average earning assets | $71,788,500 | 4,244 |
| Average equity | $6,080,500 | 4,455 |
| Average total loans | $48,555,500 | 3,993 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 1,933 |
| Cost of funding earning assets | 0.4972% | 947 |
| Net interest margin | 3.2747% | 2,387 |
| Noninterest income to average assets | 0.4408% | 2,853 |
| Noninterest expense to average assets | 2.4086% | 2,466 |
| Loan and lease loss provision to assets | 0.0465% | 2,131 |
| Net operating income to assets | 0.7443% | 3,504 |
| Return on assets (ROA) | 0.7821% | 3,457 |
| Pretax return on assets | 1.0596% | 3,106 |
| Return on Equity (ROE) | 9.4634% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.6433% | 2,949 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4753% | 1,794 |
| Assets per employee ($millions) | 7.0070% | 1,923 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.9559% | 2,063 |
| Net loans and leases to deposits | 67.6784% | 2,336 |
| Net loans and leases to core deposits | 70.6968% | 2,384 |
| Total domestic deposits to total assets | 90.0671% | 929 |
| Equity capital to assets | 8.6381% | 3,949 |
| Core capital (leverage) ratio | 8.7568% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0685% | 2,217 |
| Memoranda: | ||
| Average total assets | $75,313,200 | 4,274 |
| Average earning assets | $69,593,800 | 4,264 |
| Average equity | $6,224,000 | 4,509 |
| Average total loans | $45,381,200 | 4,079 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 1,654 |
| Cost of funding earning assets | 0.5432% | 860 |
| Net interest margin | 3.4016% | 2,148 |
| Noninterest income to average assets | 0.2564% | 3,861 |
| Noninterest expense to average assets | 2.4468% | 2,283 |
| Loan and lease loss provision to assets | 0.0628% | 1,744 |
| Net operating income to assets | 0.6720% | 3,836 |
| Return on assets (ROA) | 0.6678% | 3,904 |
| Pretax return on assets | 0.8868% | 3,722 |
| Return on Equity (ROE) | 8.1757% | 3,352 |
| Retained earnings to average equity (ytd only) | 8.1757% | 2,003 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9372% | 1,412 |
| Assets per employee ($millions) | 7.0253% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.9991% | 2,726 |
| Net loans and leases to deposits | 62.4576% | 2,995 |
| Net loans and leases to core deposits | 65.2154% | 3,018 |
| Total domestic deposits to total assets | 89.6594% | 936 |
| Equity capital to assets | 8.8628% | 3,953 |
| Core capital (leverage) ratio | 8.7752% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1212% | 1,925 |
| Memoranda: | ||
| Average total assets | $74,872,250 | 4,336 |
| Average earning assets | $69,221,500 | 4,322 |
| Average equity | $6,115,500 | 4,582 |
| Average total loans | $44,854,750 | 4,151 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 1,023 |
| Cost of funding earning assets | 0.5790% | 822 |
| Net interest margin | 3.7106% | 1,324 |
| Noninterest income to average assets | 0.2673% | 3,799 |
| Noninterest expense to average assets | 2.5138% | 2,096 |
| Loan and lease loss provision to assets | 0.0810% | 1,501 |
| Net operating income to assets | 0.8164% | 3,457 |
| Return on assets (ROA) | 0.8100% | 3,550 |
| Pretax return on assets | 1.0909% | 3,246 |
| Return on Equity (ROE) | 10.2197% | 2,670 |
| Retained earnings to average equity (ytd only) | 10.2197% | 1,333 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9181% | 3,164 |
| Assets per employee ($millions) | 6.9443% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.8971% | 2,793 |
| Net loans and leases to deposits | 62.7864% | 3,126 |
| Net loans and leases to core deposits | 66.2117% | 3,094 |
| Total domestic deposits to total assets | 90.6201% | 509 |
| Equity capital to assets | 7.8678% | 4,591 |
| Core capital (leverage) ratio | 7.8781% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6278% | 2,822 |
| Memoranda: | ||
| Average total assets | $74,070,333 | 4,369 |
| Average earning assets | $68,399,333 | 4,361 |
| Average equity | $5,871,000 | 4,634 |
| Average total loans | $45,213,333 | 4,171 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 1,108 |
| Cost of funding earning assets | 0.7034% | 541 |
| Net interest margin | 3.5522% | 1,696 |
| Noninterest income to average assets | 0.2743% | 3,754 |
| Noninterest expense to average assets | 2.5455% | 2,038 |
| Loan and lease loss provision to assets | 0.0823% | 1,574 |
| Net operating income to assets | 0.7296% | 3,636 |
| Return on assets (ROA) | 0.7296% | 3,703 |
| Pretax return on assets | 0.9710% | 3,453 |
| Return on Equity (ROE) | 9.1700% | 2,974 |
| Retained earnings to average equity (ytd only) | 9.1700% | 1,900 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7317% | 1,628 |
| Assets per employee ($millions) | 6.7960% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.7812% | 2,566 |
| Net loans and leases to deposits | 65.8542% | 2,931 |
| Net loans and leases to core deposits | 68.7390% | 2,993 |
| Total domestic deposits to total assets | 90.7780% | 482 |
| Equity capital to assets | 7.7184% | 4,624 |
| Core capital (leverage) ratio | 7.9427% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8545% | 2,720 |
| Memoranda: | ||
| Average total assets | $72,912,000 | 4,398 |
| Average earning assets | $68,238,500 | 4,380 |
| Average equity | $5,801,500 | 4,657 |
| Average total loans | $45,839,500 | 4,171 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 1,494 |
| Cost of funding earning assets | 0.7740% | 1,326 |
| Net interest margin | 3.6574% | 1,947 |
| Noninterest income to average assets | 0.3274% | 3,499 |
| Noninterest expense to average assets | 2.8874% | 1,716 |
| Loan and lease loss provision to assets | 0.1860% | 2,093 |
| Net operating income to assets | 0.4562% | 4,126 |
| Return on assets (ROA) | 0.5656% | 3,960 |
| Pretax return on assets | 0.7472% | 3,773 |
| Return on Equity (ROE) | 6.6859% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.1670% | 3,251 |
| Net charge-offs to loans | 0.2268% | 765 |
| Credit loss provision to net charge-offs | 122.5490% | 2,613 |
| Earnings coverage of net charge-offs (x) | 5.2353% | 2,882 |
| Efficiency ratio | 78.4155% | 1,005 |
| Assets per employee ($millions) | 7.1068% | 1,508 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.7774% | 2,261 |
| Net loans and leases to deposits | 71.8202% | 2,703 |
| Net loans and leases to core deposits | 76.4159% | 2,691 |
| Total domestic deposits to total assets | 90.1939% | 485 |
| Equity capital to assets | 8.2076% | 4,620 |
| Core capital (leverage) ratio | 7.9530% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7899% | 2,970 |
| Memoranda: | ||
| Average total assets | $67,187,400 | 4,422 |
| Average earning assets | $61,628,000 | 4,426 |
| Average equity | $5,683,600 | 4,678 |
| Average total loans | $44,964,800 | 4,204 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,297 |
| Cost of funding earning assets | 0.8181% | 1,407 |
| Net interest margin | 3.7841% | 1,668 |
| Noninterest income to average assets | 0.3282% | 3,521 |
| Noninterest expense to average assets | 3.0122% | 1,419 |
| Loan and lease loss provision to assets | 0.2009% | 1,985 |
| Net operating income to assets | 0.4159% | 4,231 |
| Return on assets (ROA) | 0.5638% | 3,963 |
| Pretax return on assets | 0.7571% | 3,757 |
| Return on Equity (ROE) | 6.6119% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.6119% | 1,847 |
| Net charge-offs to loans | 0.1854% | 803 |
| Credit loss provision to net charge-offs | 161.2903% | 2,259 |
| Earnings coverage of net charge-offs (x) | 6.1774% | 2,670 |
| Efficiency ratio | 79.6168% | 891 |
| Assets per employee ($millions) | 6.4258% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.2918% | 2,737 |
| Net loans and leases to deposits | 71.2635% | 3,199 |
| Net loans and leases to core deposits | 75.7097% | 3,195 |
| Total domestic deposits to total assets | 90.2170% | 357 |
| Equity capital to assets | 8.3145% | 4,568 |
| Core capital (leverage) ratio | 8.0028% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8763% | 2,658 |
| Memoranda: | ||
| Average total assets | $66,217,250 | 4,450 |
| Average earning assets | $60,462,000 | 4,453 |
| Average equity | $5,646,250 | 4,699 |
| Average total loans | $44,579,750 | 4,238 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,136 |
| Cost of funding earning assets | 0.8591% | 1,551 |
| Net interest margin | 3.9551% | 1,432 |
| Noninterest income to average assets | 0.3522% | 3,370 |
| Noninterest expense to average assets | 3.0064% | 1,563 |
| Loan and lease loss provision to assets | 0.3090% | 1,396 |
| Net operating income to assets | 0.4999% | 4,022 |
| Return on assets (ROA) | 0.6952% | 3,506 |
| Pretax return on assets | 0.9115% | 3,279 |
| Return on Equity (ROE) | 8.0800% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.0800% | 1,277 |
| Net charge-offs to loans | 0.2810% | 565 |
| Credit loss provision to net charge-offs | 161.2903% | 2,076 |
| Earnings coverage of net charge-offs (x) | 5.0806% | 2,543 |
| Efficiency ratio | 75.5435% | 1,305 |
| Assets per employee ($millions) | 6.3626% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.5674% | 2,689 |
| Net loans and leases to deposits | 72.5763% | 3,208 |
| Net loans and leases to core deposits | 78.4444% | 3,072 |
| Total domestic deposits to total assets | 90.3428% | 314 |
| Equity capital to assets | 8.2113% | 4,629 |
| Core capital (leverage) ratio | 8.3653% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6938% | 2,734 |
| Memoranda: | ||
| Average total assets | $64,728,333 | 4,473 |
| Average earning assets | $59,366,000 | 4,475 |
| Average equity | $5,569,333 | 4,737 |
| Average total loans | $44,130,333 | 4,257 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 2,375 |
| Cost of funding earning assets | 0.9007% | 1,863 |
| Net interest margin | 3.5752% | 2,754 |
| Noninterest income to average assets | 0.4380% | 2,859 |
| Noninterest expense to average assets | 2.8922% | 2,147 |
| Loan and lease loss provision to assets | 0.1288% | 2,102 |
| Net operating income to assets | 0.5458% | 3,758 |
| Return on assets (ROA) | 0.6119% | 3,623 |
| Pretax return on assets | 0.8245% | 3,344 |
| Return on Equity (ROE) | 6.9337% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.9337% | 1,563 |
| Net charge-offs to loans | 0.5766% | 256 |
| Credit loss provision to net charge-offs | 32.2581% | 2,144 |
| Earnings coverage of net charge-offs (x) | 2.1774% | 2,311 |
| Efficiency ratio | 76.8836% | 1,465 |
| Assets per employee ($millions) | 5.7661% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.5805% | 2,752 |
| Net loans and leases to deposits | 74.2205% | 3,248 |
| Net loans and leases to core deposits | 81.8395% | 3,034 |
| Total domestic deposits to total assets | 89.7063% | 414 |
| Equity capital to assets | 8.7628% | 4,709 |
| Core capital (leverage) ratio | 8.8926% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5950% | 2,890 |
| Memoranda: | ||
| Average total assets | $62,098,000 | 4,531 |
| Average earning assets | $57,730,500 | 4,514 |
| Average equity | $5,480,500 | 4,786 |
| Average total loans | $43,008,500 | 4,302 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 2,485 |
| Cost of funding earning assets | 0.9254% | 2,082 |
| Net interest margin | 3.7201% | 2,752 |
| Noninterest income to average assets | 0.4939% | 2,775 |
| Noninterest expense to average assets | 3.2280% | 1,450 |
| Loan and lease loss provision to assets | 0.1042% | 1,981 |
| Net operating income to assets | 0.4799% | 4,449 |
| Return on assets (ROA) | 0.5622% | 4,315 |
| Pretax return on assets | 0.7348% | 4,126 |
| Return on Equity (ROE) | 6.1705% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.9565% | 4,395 |
| Net charge-offs to loans | 0.0933% | 1,797 |
| Credit loss provision to net charge-offs | 156.4103% | 1,645 |
| Earnings coverage of net charge-offs (x) | 11.0256% | 2,524 |
| Efficiency ratio | 81.4575% | 835 |
| Assets per employee ($millions) | 6.0769% | 1,578 |
| Cash dividends to net income (ytd only)* | 84.4985% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.6561% | 2,297 |
| Net loans and leases to deposits | 78.8979% | 2,916 |
| Net loans and leases to core deposits | 88.7348% | 2,538 |
| Total domestic deposits to total assets | 89.5539% | 473 |
| Equity capital to assets | 8.8910% | 4,740 |
| Core capital (leverage) ratio | 9.0472% | 4,491 |
| Tier 1 risk-based capital ratio | 11.6791% | 4,536 |
| Total risk-based capital ratio | 12.6407% | 4,566 |
| Memoranda: | ||
| Average total assets | $58,518,800 | 4,619 |
| Average earning assets | $54,568,800 | 4,601 |
| Average equity | $5,331,800 | 4,845 |
| Average total loans | $41,820,000 | 4,365 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 2,599 |
| Cost of funding earning assets | 0.9274% | 2,100 |
| Net interest margin | 3.7120% | 2,876 |
| Noninterest income to average assets | 0.5061% | 2,689 |
| Noninterest expense to average assets | 3.2322% | 1,406 |
| Loan and lease loss provision to assets | 0.0966% | 1,980 |
| Net operating income to assets | 0.4964% | 4,525 |
| Return on assets (ROA) | 0.5636% | 4,425 |
| Pretax return on assets | 0.7247% | 4,288 |
| Return on Equity (ROE) | 6.1472% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.1472% | 2,299 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4493% | 799 |
| Assets per employee ($millions) | 5.4039% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,078 |
| Loan loss allowance to noncurrent loans | 932.0000% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,295 |
| Noncurrent loans to loans | 0.1170% | 4,127 |
| Net loans and leases to total assets | 71.1320% | 2,299 |
| Net loans and leases to deposits | 79.7913% | 2,921 |
| Net loans and leases to core deposits | 86.8109% | 2,837 |
| Total domestic deposits to total assets | 89.1476% | 570 |
| Equity capital to assets | 9.2593% | 4,626 |
| Core capital (leverage) ratio | 9.1638% | 4,507 |
| Tier 1 risk-based capital ratio | 12.0514% | 4,396 |
| Total risk-based capital ratio | 13.0799% | 4,388 |
| Memoranda: | ||
| Average total assets | $57,956,250 | 4,691 |
| Average earning assets | $54,057,000 | 4,678 |
| Average equity | $5,314,000 | 4,914 |
| Average total loans | $41,429,250 | 4,431 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 2,697 |
| Cost of funding earning assets | 0.9095% | 2,093 |
| Net interest margin | 3.6829% | 2,982 |
| Noninterest income to average assets | 0.5360% | 2,467 |
| Noninterest expense to average assets | 3.2509% | 1,396 |
| Loan and lease loss provision to assets | 0.0975% | 1,919 |
| Net operating income to assets | 0.4900% | 4,542 |
| Return on assets (ROA) | 0.5917% | 4,366 |
| Pretax return on assets | 0.7553% | 4,207 |
| Return on Equity (ROE) | 6.4754% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.4754% | 2,066 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7863% | 816 |
| Assets per employee ($millions) | 5.3344% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.4428% | 2,156 |
| Net loans and leases to deposits | 81.1702% | 2,823 |
| Net loans and leases to core deposits | 89.3213% | 2,657 |
| Total domestic deposits to total assets | 89.2481% | 572 |
| Equity capital to assets | 9.1994% | 4,654 |
| Core capital (leverage) ratio | 9.3284% | 4,335 |
| Tier 1 risk-based capital ratio | 11.7022% | 4,570 |
| Total risk-based capital ratio | 12.6844% | 4,611 |
| Memoranda: | ||
| Average total assets | $57,460,670 | 4,732 |
| Average earning assets | $53,654,000 | 4,718 |
| Average equity | $5,250,670 | 4,953 |
| Average total loans | $40,989,330 | 4,476 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,187 |
| Cost of funding earning assets | 0.8972% | 2,020 |
| Net interest margin | 3.5132% | 3,558 |
| Noninterest income to average assets | 0.4221% | 3,035 |
| Noninterest expense to average assets | 3.1872% | 1,524 |
| Loan and lease loss provision to assets | 0.0985% | 1,775 |
| Net operating income to assets | 0.3518% | 4,825 |
| Return on assets (ROA) | 0.3518% | 4,831 |
| Pretax return on assets | 0.4151% | 4,820 |
| Return on Equity (ROE) | 3.8632% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,373 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1217% | 574 |
| Assets per employee ($millions) | 5.1991% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,219 |
| Loan loss allowance to noncurrent loans | 438.0000% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,945 |
| Noncurrent loans to loans | 0.2472% | 3,679 |
| Net loans and leases to total assets | 69.9545% | 2,493 |
| Net loans and leases to deposits | 78.3821% | 3,022 |
| Net loans and leases to core deposits | 83.4053% | 3,070 |
| Total domestic deposits to total assets | 89.2481% | 742 |
| Equity capital to assets | 9.1974% | 4,537 |
| Core capital (leverage) ratio | 9.3316% | 4,335 |
| Tier 1 risk-based capital ratio | 11.8450% | 4,543 |
| Total risk-based capital ratio | 12.8304% | 4,581 |
| Memoranda: | ||
| Average total assets | $56,852,000 | 4,792 |
| Average earning assets | $53,056,500 | 4,780 |
| Average equity | $5,177,000 | 5,006 |
| Average total loans | $40,004,000 | 4,541 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,336 |
| Cost of funding earning assets | 0.6281% | 2,537 |
| Net interest margin | 3.6071% | 3,357 |
| Noninterest income to average assets | 0.3454% | 3,800 |
| Noninterest expense to average assets | 3.1104% | 1,776 |
| Loan and lease loss provision to assets | 0.0953% | 2,249 |
| Net operating income to assets | 0.4174% | 4,834 |
| Return on assets (ROA) | 0.4174% | 4,827 |
| Pretax return on assets | 0.4767% | 4,836 |
| Return on Equity (ROE) | 4.5392% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.0761% | 4,687 |
| Net charge-offs to loans | 0.1292% | 1,463 |
| Credit loss provision to net charge-offs | 110.4167% | 2,333 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 3,068 |
| Efficiency ratio | 84.4651% | 622 |
| Assets per employee ($millions) | 5.1376% | 2,342 |
| Cash dividends to net income (ytd only)* | 76.2931% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.2554% | 2,701 |
| Net loans and leases to deposits | 77.4401% | 3,233 |
| Net loans and leases to core deposits | 85.1366% | 2,993 |
| Total domestic deposits to total assets | 89.4309% | 689 |
| Equity capital to assets | 9.0137% | 4,565 |
| Core capital (leverage) ratio | 9.3553% | 4,294 |
| Tier 1 risk-based capital ratio | 11.8831% | 4,507 |
| Total risk-based capital ratio | 12.8492% | 4,562 |
| Memoranda: | ||
| Average total assets | $55,587,600 | 4,843 |
| Average earning assets | $51,426,800 | 4,829 |
| Average equity | $5,111,000 | 5,037 |
| Average total loans | $37,165,000 | 4,631 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 3,357 |
| Cost of funding earning assets | 0.5570% | 2,816 |
| Net interest margin | 3.6323% | 3,261 |
| Noninterest income to average assets | 0.3613% | 3,717 |
| Noninterest expense to average assets | 3.1071% | 1,750 |
| Loan and lease loss provision to assets | 0.1084% | 1,849 |
| Net operating income to assets | 0.4119% | 4,933 |
| Return on assets (ROA) | 0.4119% | 4,935 |
| Pretax return on assets | 0.4913% | 4,912 |
| Return on Equity (ROE) | 4.4571% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.4571% | 3,519 |
| Net charge-offs to loans | 0.1714% | 968 |
| Credit loss provision to net charge-offs | 95.7447% | 2,352 |
| Earnings coverage of net charge-offs (x) | 5.2974% | 2,964 |
| Efficiency ratio | 83.8207% | 651 |
| Assets per employee ($millions) | 5.6857% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.4914% | 3,125 |
| Net loans and leases to deposits | 74.3885% | 3,560 |
| Net loans and leases to core deposits | 82.0332% | 3,323 |
| Total domestic deposits to total assets | 89.3839% | 709 |
| Equity capital to assets | 9.0648% | 4,490 |
| Core capital (leverage) ratio | 9.6702% | 3,973 |
| Tier 1 risk-based capital ratio | 12.3724% | 4,269 |
| Total risk-based capital ratio | 13.3401% | 4,339 |
| Memoranda: | ||
| Average total assets | $55,356,000 | 4,899 |
| Average earning assets | $50,985,750 | 4,888 |
| Average equity | $5,115,250 | 5,097 |
| Average total loans | $36,565,500 | 4,689 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 3,463 |
| Cost of funding earning assets | 0.5002% | 3,010 |
| Net interest margin | 3.5956% | 3,327 |
| Noninterest income to average assets | 0.3573% | 3,768 |
| Noninterest expense to average assets | 3.1574% | 1,642 |
| Loan and lease loss provision to assets | 0.1349% | 1,460 |
| Net operating income to assets | 0.3391% | 5,064 |
| Return on assets (ROA) | 0.3391% | 5,063 |
| Pretax return on assets | 0.3938% | 5,049 |
| Return on Equity (ROE) | 3.6454% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.6454% | 3,773 |
| Net charge-offs to loans | 0.2555% | 625 |
| Credit loss provision to net charge-offs | 80.4348% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.1522% | 2,906 |
| Efficiency ratio | 85.6578% | 587 |
| Assets per employee ($millions) | 6.0246% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,180 |
| Loan loss allowance to noncurrent loans | 1,413.7931% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 4,532 |
| Noncurrent loans to loans | 0.0789% | 4,558 |
| Net loans and leases to total assets | 67.0663% | 3,002 |
| Net loans and leases to deposits | 79.4598% | 3,007 |
| Net loans and leases to core deposits | 82.0284% | 3,238 |
| Total domestic deposits to total assets | 84.4027% | 2,911 |
| Equity capital to assets | 9.4373% | 4,161 |
| Core capital (leverage) ratio | 9.9121% | 3,673 |
| Tier 1 risk-based capital ratio | 12.6856% | 4,071 |
| Total risk-based capital ratio | 13.6755% | 4,122 |
| Memoranda: | ||
| Average total assets | $54,855,670 | 4,966 |
| Average earning assets | $50,784,000 | 4,954 |
| Average equity | $5,102,330 | 5,152 |
| Average total loans | $36,013,330 | 4,752 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,286 |
| Cost of funding earning assets | 0.4938% | 2,842 |
| Net interest margin | 3.5899% | 3,220 |
| Noninterest income to average assets | 0.3407% | 3,873 |
| Noninterest expense to average assets | 2.9362% | 2,238 |
| Loan and lease loss provision to assets | 0.1232% | 1,528 |
| Net operating income to assets | 0.4930% | 4,713 |
| Return on assets (ROA) | 0.4930% | 4,722 |
| Pretax return on assets | 0.6017% | 4,682 |
| Return on Equity (ROE) | 5.3386% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.3386% | 3,021 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1980% | 1,111 |
| Assets per employee ($millions) | 6.0950% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,698 |
| Loan loss allowance to noncurrent loans | 436.0000% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,871 |
| Noncurrent loans to loans | 0.2795% | 3,768 |
| Net loans and leases to total assets | 64.4390% | 3,249 |
| Net loans and leases to deposits | 72.2080% | 3,585 |
| Net loans and leases to core deposits | 74.3855% | 3,789 |
| Total domestic deposits to total assets | 89.2407% | 992 |
| Equity capital to assets | 9.2681% | 4,301 |
| Core capital (leverage) ratio | 9.5752% | 3,989 |
| Tier 1 risk-based capital ratio | 13.2242% | 3,834 |
| Total risk-based capital ratio | 14.3269% | 3,818 |
| Memoranda: | ||
| Average total assets | $55,173,000 | 5,016 |
| Average earning assets | $51,032,000 | 5,008 |
| Average equity | $5,095,000 | 5,202 |
| Average total loans | $35,633,000 | 4,808 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,983 |
| Cost of funding earning assets | 0.5017% | 2,323 |
| Net interest margin | 3.6195% | 3,104 |
| Noninterest income to average assets | 0.3141% | 4,215 |
| Noninterest expense to average assets | 2.7782% | 2,852 |
| Loan and lease loss provision to assets | 0.1159% | 1,962 |
| Net operating income to assets | 0.2954% | 4,938 |
| Return on assets (ROA) | 0.2954% | 4,949 |
| Pretax return on assets | 0.7516% | 4,383 |
| Return on Equity (ROE) | 2.9832% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.7370% | 5,256 |
| Net charge-offs to loans | 0.0586% | 2,640 |
| Credit loss provision to net charge-offs | 295.2381% | 959 |
| Earnings coverage of net charge-offs (x) | 22.0952% | 1,868 |
| Efficiency ratio | 76.2051% | 1,586 |
| Assets per employee ($millions) | 6.1657% | 1,406 |
| Cash dividends to net income (ytd only)* | 158.2278% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,793 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.1868% | 3,465 |
| Net loans and leases to deposits | 70.7357% | 3,812 |
| Net loans and leases to core deposits | 72.8415% | 3,984 |
| Total domestic deposits to total assets | 89.3280% | 856 |
| Equity capital to assets | 9.2015% | 4,525 |
| Core capital (leverage) ratio | 9.5062% | 4,045 |
| Tier 1 risk-based capital ratio | 13.2174% | 3,781 |
| Total risk-based capital ratio | 14.2905% | 3,784 |
| Memoranda: | ||
| Average total assets | $53,487,600 | 5,093 |
| Average earning assets | $49,233,400 | 5,080 |
| Average equity | $5,296,400 | 5,221 |
| Average total loans | $35,849,200 | 4,851 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,763 |
| Cost of funding earning assets | 0.4979% | 2,286 |
| Net interest margin | 3.6607% | 2,916 |
| Noninterest income to average assets | 0.3800% | 3,810 |
| Noninterest expense to average assets | 2.7528% | 2,888 |
| Loan and lease loss provision to assets | 0.1560% | 1,322 |
| Net operating income to assets | 0.5938% | 4,413 |
| Return on assets (ROA) | 0.5938% | 4,451 |
| Pretax return on assets | 0.8379% | 4,247 |
| Return on Equity (ROE) | 5.8881% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.8881% | 2,315 |
| Net charge-offs to loans | 0.0779% | 2,028 |
| Credit loss provision to net charge-offs | 295.2381% | 1,006 |
| Earnings coverage of net charge-offs (x) | 18.8089% | 2,029 |
| Efficiency ratio | 73.4721% | 1,976 |
| Assets per employee ($millions) | 6.7409% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,557 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.0848% | 3,387 |
| Net loans and leases to deposits | 72.5846% | 3,711 |
| Net loans and leases to core deposits | 74.8273% | 3,901 |
| Total domestic deposits to total assets | 88.2897% | 1,217 |
| Equity capital to assets | 10.2064% | 3,689 |
| Core capital (leverage) ratio | 10.3175% | 3,179 |
| Tier 1 risk-based capital ratio | 14.1630% | 3,367 |
| Total risk-based capital ratio | 15.2441% | 3,362 |
| Memoranda: | ||
| Average total assets | $52,986,750 | 5,155 |
| Average earning assets | $48,733,000 | 5,146 |
| Average equity | $5,344,000 | 5,272 |
| Average total loans | $35,941,000 | 4,895 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 2,639 |
| Cost of funding earning assets | 0.4923% | 2,239 |
| Net interest margin | 3.6654% | 2,770 |
| Noninterest income to average assets | 0.3645% | 3,949 |
| Noninterest expense to average assets | 2.7680% | 2,870 |
| Loan and lease loss provision to assets | 0.2240% | 781 |
| Net operating income to assets | 0.5278% | 4,621 |
| Return on assets (ROA) | 0.5278% | 4,651 |
| Pretax return on assets | 0.7366% | 4,465 |
| Return on Equity (ROE) | 5.2545% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.2545% | 2,547 |
| Net charge-offs to loans | 0.1158% | 1,479 |
| Credit loss provision to net charge-offs | 280.9524% | 1,007 |
| Earnings coverage of net charge-offs (x) | 12.0476% | 2,225 |
| Efficiency ratio | 74.2363% | 1,965 |
| Assets per employee ($millions) | 7.4894% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,527 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.6044% | 3,018 |
| Net loans and leases to deposits | 75.5572% | 3,396 |
| Net loans and leases to core deposits | 77.9646% | 3,602 |
| Total domestic deposits to total assets | 88.1509% | 1,383 |
| Equity capital to assets | 10.3498% | 3,512 |
| Core capital (leverage) ratio | 10.4176% | 3,005 |
| Tier 1 risk-based capital ratio | 13.8501% | 3,505 |
| Total risk-based capital ratio | 14.9188% | 3,529 |
| Memoranda: | ||
| Average total assets | $52,673,330 | 5,197 |
| Average earning assets | $48,343,330 | 5,188 |
| Average equity | $5,290,670 | 5,314 |
| Average total loans | $36,262,000 | 4,925 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,265 |
| Cost of funding earning assets | 0.4810% | 2,240 |
| Net interest margin | 3.7238% | 2,406 |
| Noninterest income to average assets | 0.3561% | 3,987 |
| Noninterest expense to average assets | 2.8714% | 2,545 |
| Loan and lease loss provision to assets | 0.3788% | 301 |
| Net operating income to assets | 0.4015% | 4,934 |
| Return on assets (ROA) | 0.4015% | 4,960 |
| Pretax return on assets | 0.5076% | 4,957 |
| Return on Equity (ROE) | 4.0590% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.0590% | 3,431 |
| Net charge-offs to loans | 0.2287% | 787 |
| Credit loss provision to net charge-offs | 238.0952% | 914 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,278 |
| Efficiency ratio | 76.4113% | 1,850 |
| Assets per employee ($millions) | 6.4970% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,510 |
| Loan loss allowance to noncurrent loans | 2,035.0000% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,392 |
| Noncurrent loans to loans | 0.0556% | 4,971 |
| Net loans and leases to total assets | 68.4547% | 2,611 |
| Net loans and leases to deposits | 77.4826% | 3,031 |
| Net loans and leases to core deposits | 79.9676% | 3,302 |
| Total domestic deposits to total assets | 88.3485% | 1,510 |
| Equity capital to assets | 10.1393% | 3,587 |
| Core capital (leverage) ratio | 10.2746% | 3,150 |
| Tier 1 risk-based capital ratio | 13.5029% | 3,779 |
| Total risk-based capital ratio | 14.5388% | 3,816 |
| Memoranda: | ||
| Average total assets | $52,797,000 | 5,251 |
| Average earning assets | $48,230,500 | 5,244 |
| Average equity | $5,223,000 | 5,376 |
| Average total loans | $36,726,000 | 4,950 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,166 |
| Cost of funding earning assets | 0.4891% | 2,169 |
| Net interest margin | 3.8023% | 2,312 |
| Noninterest income to average assets | 0.3364% | 4,330 |
| Noninterest expense to average assets | 3.0259% | 2,274 |
| Loan and lease loss provision to assets | 0.0902% | 2,560 |
| Net operating income to assets | 0.5157% | 4,570 |
| Return on assets (ROA) | 0.5225% | 4,627 |
| Pretax return on assets | 0.7217% | 4,419 |
| Return on Equity (ROE) | 5.2115% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.6309% | 4,602 |
| Net charge-offs to loans | 0.1017% | 2,260 |
| Credit loss provision to net charge-offs | 137.1429% | 1,983 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,474 |
| Efficiency ratio | 79.0378% | 1,550 |
| Assets per employee ($millions) | 5.3618% | 1,995 |
| Cash dividends to net income (ytd only)* | 68.7050% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,262 |
| Loan loss allowance to noncurrent loans | 945.0000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,341 |
| Noncurrent loans to loans | 0.1068% | 4,807 |
| Net loans and leases to total assets | 69.1689% | 2,601 |
| Net loans and leases to deposits | 79.4767% | 2,945 |
| Net loans and leases to core deposits | 81.9838% | 3,211 |
| Total domestic deposits to total assets | 87.0305% | 2,135 |
| Equity capital to assets | 9.6535% | 4,112 |
| Core capital (leverage) ratio | 9.9042% | 3,618 |
| Tier 1 risk-based capital ratio | 12.9928% | 4,082 |
| Total risk-based capital ratio | 13.9278% | 4,164 |
| Memoranda: | ||
| Average total assets | $53,207,800 | 5,280 |
| Average earning assets | $48,865,400 | 5,268 |
| Average equity | $5,334,400 | 5,405 |
| Average total loans | $34,423,400 | 5,058 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 2,280 |
| Cost of funding earning assets | 0.4939% | 2,137 |
| Net interest margin | 3.7707% | 2,447 |
| Noninterest income to average assets | 0.3641% | 4,174 |
| Noninterest expense to average assets | 2.9827% | 2,369 |
| Loan and lease loss provision to assets | 0.0904% | 2,419 |
| Net operating income to assets | 0.5409% | 4,533 |
| Return on assets (ROA) | 0.5498% | 4,604 |
| Pretax return on assets | 0.7733% | 4,397 |
| Return on Equity (ROE) | 5.4334% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.4334% | 2,526 |
| Net charge-offs to loans | 0.0040% | 3,784 |
| Credit loss provision to net charge-offs | 3,600.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 339.8421% | 250 |
| Efficiency ratio | 77.7996% | 1,711 |
| Assets per employee ($millions) | 5.3208% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 4,674 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.4484% | 2,733 |
| Net loans and leases to deposits | 79.3032% | 3,051 |
| Net loans and leases to core deposits | 81.8372% | 3,295 |
| Total domestic deposits to total assets | 86.3122% | 2,211 |
| Equity capital to assets | 10.3969% | 3,682 |
| Core capital (leverage) ratio | 10.3807% | 3,126 |
| Tier 1 risk-based capital ratio | 13.3062% | 3,976 |
| Total risk-based capital ratio | 14.2945% | 4,045 |
| Memoranda: | ||
| Average total assets | $53,105,250 | 5,340 |
| Average earning assets | $48,866,250 | 5,322 |
| Average equity | $5,374,000 | 5,452 |
| Average total loans | $33,663,000 | 5,128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,283 |
| Cost of funding earning assets | 0.5037% | 2,075 |
| Net interest margin | 3.7592% | 2,480 |
| Noninterest income to average assets | 0.3919% | 3,933 |
| Noninterest expense to average assets | 3.0412% | 2,229 |
| Loan and lease loss provision to assets | 0.0904% | 2,340 |
| Net operating income to assets | 0.5125% | 4,628 |
| Return on assets (ROA) | 0.5125% | 4,740 |
| Pretax return on assets | 0.7198% | 4,559 |
| Return on Equity (ROE) | 5.1115% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.1115% | 2,659 |
| Net charge-offs to loans | 0.0061% | 3,476 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 303 |
| Efficiency ratio | 78.9628% | 1,642 |
| Assets per employee ($millions) | 5.1175% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,627 |
| Loan loss allowance to noncurrent loans | 426.3736% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 3,964 |
| Noncurrent loans to loans | 0.2703% | 4,397 |
| Net loans and leases to total assets | 65.0318% | 3,225 |
| Net loans and leases to deposits | 73.9786% | 3,596 |
| Net loans and leases to core deposits | 76.3916% | 3,789 |
| Total domestic deposits to total assets | 87.9062% | 1,479 |
| Equity capital to assets | 10.7201% | 3,378 |
| Core capital (leverage) ratio | 10.2314% | 3,291 |
| Tier 1 risk-based capital ratio | 13.9262% | 3,646 |
| Total risk-based capital ratio | 14.9454% | 3,700 |
| Memoranda: | ||
| Average total assets | $53,071,000 | 5,399 |
| Average earning assets | $48,840,670 | 5,381 |
| Average equity | $5,321,330 | 5,517 |
| Average total loans | $32,610,670 | 5,212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,459 |
| Cost of funding earning assets | 0.4992% | 2,116 |
| Net interest margin | 3.7035% | 2,658 |
| Noninterest income to average assets | 0.3702% | 4,076 |
| Noninterest expense to average assets | 2.7916% | 3,099 |
| Loan and lease loss provision to assets | 0.0889% | 2,200 |
| Net operating income to assets | 0.6072% | 4,143 |
| Return on assets (ROA) | 0.6072% | 4,265 |
| Pretax return on assets | 0.8960% | 3,855 |
| Return on Equity (ROE) | 6.2607% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.2607% | 2,255 |
| Net charge-offs to loans | 0.0125% | 2,708 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 443 |
| Efficiency ratio | 73.9216% | 2,491 |
| Assets per employee ($millions) | 5.8774% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,718 |
| Loan loss allowance to noncurrent loans | 387.6289% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 4,060 |
| Noncurrent loans to loans | 0.2991% | 4,359 |
| Net loans and leases to total assets | 60.5989% | 3,700 |
| Net loans and leases to deposits | 68.4263% | 4,015 |
| Net loans and leases to core deposits | 70.5684% | 4,194 |
| Total domestic deposits to total assets | 88.5608% | 1,324 |
| Equity capital to assets | 10.0781% | 3,976 |
| Core capital (leverage) ratio | 9.6639% | 3,954 |
| Tier 1 risk-based capital ratio | 14.3349% | 3,478 |
| Total risk-based capital ratio | 15.3619% | 3,542 |
| Memoranda: | ||
| Average total assets | $54,019,000 | 5,423 |
| Average earning assets | $49,683,000 | 5,412 |
| Average equity | $5,239,000 | 5,569 |
| Average total loans | $32,082,000 | 5,266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,238 |
| Cost of funding earning assets | 0.5356% | 1,881 |
| Net interest margin | 3.7615% | 2,517 |
| Noninterest income to average assets | 0.2054% | 5,366 |
| Noninterest expense to average assets | 2.9688% | 2,649 |
| Loan and lease loss provision to assets | 0.0373% | 3,601 |
| Net operating income to assets | 0.4799% | 4,767 |
| Return on assets (ROA) | 0.4799% | 4,854 |
| Pretax return on assets | 0.6740% | 4,601 |
| Return on Equity (ROE) | 4.9961% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.3414% | 4,960 |
| Net charge-offs to loans | 0.1965% | 1,488 |
| Credit loss provision to net charge-offs | 33.3333% | 3,610 |
| Earnings coverage of net charge-offs (x) | 6.3500% | 3,240 |
| Efficiency ratio | 80.6697% | 1,590 |
| Assets per employee ($millions) | 6.1268% | 1,302 |
| Cash dividends to net income (ytd only)* | 73.1518% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 4,840 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.8851% | 4,214 |
| Net loans and leases to deposits | 63.6338% | 4,496 |
| Net loans and leases to core deposits | 65.8777% | 4,604 |
| Total domestic deposits to total assets | 89.3945% | 913 |
| Equity capital to assets | 9.3343% | 4,747 |
| Core capital (leverage) ratio | 9.5692% | 4,084 |
| Tier 1 risk-based capital ratio | 13.8572% | 3,798 |
| Total risk-based capital ratio | 14.8392% | 3,889 |
| Memoranda: | ||
| Average total assets | $53,557,800 | 5,469 |
| Average earning assets | $49,474,400 | 5,449 |
| Average equity | $5,144,000 | 5,622 |
| Average total loans | $30,533,800 | 5,339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,156 |
| Cost of funding earning assets | 0.5473% | 1,823 |
| Net interest margin | 3.7765% | 2,473 |
| Noninterest income to average assets | 0.1931% | 5,502 |
| Noninterest expense to average assets | 2.9093% | 2,821 |
| Loan and lease loss provision to assets | 0.0502% | 3,206 |
| Net operating income to assets | 0.5041% | 4,772 |
| Return on assets (ROA) | 0.5041% | 4,860 |
| Pretax return on assets | 0.7298% | 4,571 |
| Return on Equity (ROE) | 5.2105% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.2105% | 2,772 |
| Net charge-offs to loans | 0.2646% | 999 |
| Credit loss provision to net charge-offs | 33.3333% | 3,243 |
| Earnings coverage of net charge-offs (x) | 5.1833% | 3,240 |
| Efficiency ratio | 78.8579% | 1,833 |
| Assets per employee ($millions) | 5.8910% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,734 |
| Loan loss allowance to noncurrent loans | 1,591.3043% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 4,793 |
| Noncurrent loans to loans | 0.0746% | 5,329 |
| Net loans and leases to total assets | 57.4964% | 4,199 |
| Net loans and leases to deposits | 64.7439% | 4,495 |
| Net loans and leases to core deposits | 67.5621% | 4,577 |
| Total domestic deposits to total assets | 88.8059% | 1,122 |
| Equity capital to assets | 9.9719% | 4,181 |
| Core capital (leverage) ratio | 10.0303% | 3,579 |
| Tier 1 risk-based capital ratio | 14.3679% | 3,645 |
| Total risk-based capital ratio | 15.3606% | 3,722 |
| Memoranda: | ||
| Average total assets | $53,162,000 | 5,549 |
| Average earning assets | $49,215,000 | 5,524 |
| Average equity | $5,143,250 | 5,693 |
| Average total loans | $30,234,000 | 5,411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,348 |
| Cost of funding earning assets | 0.5569% | 1,762 |
| Net interest margin | 3.6952% | 2,727 |
| Noninterest income to average assets | 0.2969% | 4,833 |
| Noninterest expense to average assets | 2.8942% | 2,916 |
| Loan and lease loss provision to assets | 0.0752% | 2,607 |
| Net operating income to assets | 0.5149% | 4,701 |
| Return on assets (ROA) | 0.5149% | 4,809 |
| Pretax return on assets | 0.7442% | 4,514 |
| Return on Equity (ROE) | 5.3775% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.3775% | 2,617 |
| Net charge-offs to loans | 0.2531% | 1,027 |
| Credit loss provision to net charge-offs | 52.6316% | 2,675 |
| Earnings coverage of net charge-offs (x) | 5.7368% | 2,895 |
| Efficiency ratio | 77.9352% | 2,083 |
| Assets per employee ($millions) | 5.1753% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 3,404 |
| Loan loss allowance to noncurrent loans | 1,686.9565% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 4,637 |
| Noncurrent loans to loans | 0.0752% | 5,429 |
| Net loans and leases to total assets | 58.3232% | 4,064 |
| Net loans and leases to deposits | 65.4893% | 4,385 |
| Net loans and leases to core deposits | 68.4010% | 4,460 |
| Total domestic deposits to total assets | 89.0576% | 1,115 |
| Equity capital to assets | 9.7656% | 4,323 |
| Core capital (leverage) ratio | 9.7782% | 3,898 |
| Tier 1 risk-based capital ratio | 14.4065% | 3,692 |
| Total risk-based capital ratio | 15.4746% | 3,730 |
| Memoranda: | ||
| Average total assets | $53,209,670 | 5,609 |
| Average earning assets | $49,198,670 | 5,581 |
| Average equity | $5,095,330 | 5,760 |
| Average total loans | $30,028,670 | 5,472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,323 |
| Cost of funding earning assets | 0.5680% | 1,677 |
| Net interest margin | 3.6679% | 2,740 |
| Noninterest income to average assets | 0.3189% | 4,634 |
| Noninterest expense to average assets | 2.8477% | 3,077 |
| Loan and lease loss provision to assets | 0.1112% | 1,860 |
| Net operating income to assets | 0.4895% | 4,738 |
| Return on assets (ROA) | 0.4895% | 4,856 |
| Pretax return on assets | 0.7119% | 4,554 |
| Return on Equity (ROE) | 5.1603% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.1603% | 2,968 |
| Net charge-offs to loans | 0.5108% | 492 |
| Credit loss provision to net charge-offs | 39.4737% | 2,189 |
| Earnings coverage of net charge-offs (x) | 2.9211% | 2,680 |
| Efficiency ratio | 77.5758% | 2,253 |
| Assets per employee ($millions) | 6.0582% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 4,928 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.8662% | 4,461 |
| Net loans and leases to deposits | 60.3266% | 4,720 |
| Net loans and leases to core deposits | 62.8585% | 4,786 |
| Total domestic deposits to total assets | 89.2910% | 1,097 |
| Equity capital to assets | 9.6288% | 4,596 |
| Core capital (leverage) ratio | 9.6517% | 4,074 |
| Tier 1 risk-based capital ratio | 14.6327% | 3,639 |
| Total risk-based capital ratio | 15.7182% | 3,662 |
| Memoranda: | ||
| Average total assets | $53,938,000 | 5,639 |
| Average earning assets | $49,293,000 | 5,629 |
| Average equity | $5,116,000 | 5,809 |
| Average total loans | $29,757,000 | 5,519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,489 |
| Cost of funding earning assets | 0.6289% | 1,551 |
| Net interest margin | 3.9959% | 1,912 |
| Noninterest income to average assets | 0.3652% | 4,477 |
| Noninterest expense to average assets | 3.0673% | 2,632 |
| Loan and lease loss provision to assets | 0.0693% | 3,097 |
| Net operating income to assets | 0.6011% | 4,362 |
| Return on assets (ROA) | 0.5936% | 4,485 |
| Pretax return on assets | 0.8820% | 3,957 |
| Return on Equity (ROE) | 6.7412% | 3,767 |
| Retained earnings to average equity (ytd only) | -0.1914% | 5,801 |
| Net charge-offs to loans | -0.1024% | 6,116 |
| Credit loss provision to net charge-offs | -115.6250% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1152% | 2,492 |
| Assets per employee ($millions) | 5.3352% | 1,919 |
| Cash dividends to net income (ytd only)* | 102.8391% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 3,112 |
| Loan loss allowance to noncurrent loans | 1,068.4211% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 4,730 |
| Noncurrent loans to loans | 0.1277% | 5,386 |
| Net loans and leases to total assets | 55.0214% | 4,450 |
| Net loans and leases to deposits | 61.4430% | 4,767 |
| Net loans and leases to core deposits | 64.4570% | 4,794 |
| Total domestic deposits to total assets | 89.5487% | 948 |
| Equity capital to assets | 9.3380% | 4,922 |
| Core capital (leverage) ratio | 9.7332% | 3,925 |
| Tier 1 risk-based capital ratio | 14.3223% | 3,888 |
| Total risk-based capital ratio | 15.4633% | 3,890 |
| Memoranda: | ||
| Average total assets | $53,401,200 | 5,712 |
| Average earning assets | $48,975,200 | 5,703 |
| Average equity | $4,702,400 | 5,924 |
| Average total loans | $31,260,800 | 5,519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,452 |
| Cost of funding earning assets | 0.6327% | 1,576 |
| Net interest margin | 4.0106% | 1,849 |
| Noninterest income to average assets | 0.3619% | 4,536 |
| Noninterest expense to average assets | 2.9106% | 3,081 |
| Loan and lease loss provision to assets | 0.0924% | 2,510 |
| Net operating income to assets | 0.7066% | 3,910 |
| Return on assets (ROA) | 0.6964% | 4,051 |
| Pretax return on assets | 1.0309% | 3,462 |
| Return on Equity (ROE) | 8.0300% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.0300% | 1,345 |
| Net charge-offs to loans | -0.1349% | 6,213 |
| Credit loss provision to net charge-offs | -115.6250% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8866% | 3,201 |
| Assets per employee ($millions) | 5.9371% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,478 |
| Loan loss allowance to noncurrent loans | 1,068.4211% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 4,954 |
| Noncurrent loans to loans | 0.1249% | 5,550 |
| Net loans and leases to total assets | 56.1871% | 4,304 |
| Net loans and leases to deposits | 62.7807% | 4,668 |
| Net loans and leases to core deposits | 73.9574% | 3,942 |
| Total domestic deposits to total assets | 89.4973% | 984 |
| Equity capital to assets | 9.4397% | 4,877 |
| Core capital (leverage) ratio | 10.1415% | 3,481 |
| Tier 1 risk-based capital ratio | 14.6138% | 3,809 |
| Total risk-based capital ratio | 15.7158% | 3,846 |
| Memoranda: | ||
| Average total assets | $53,413,500 | 5,772 |
| Average earning assets | $49,101,500 | 5,765 |
| Average equity | $4,632,500 | 6,007 |
| Average total loans | $31,635,750 | 5,554 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,296 |
| Cost of funding earning assets | 0.6399% | 1,589 |
| Net interest margin | 4.0514% | 1,660 |
| Noninterest income to average assets | 0.3520% | 4,611 |
| Noninterest expense to average assets | 2.8985% | 3,165 |
| Loan and lease loss provision to assets | 0.1386% | 1,791 |
| Net operating income to assets | 0.7042% | 3,820 |
| Return on assets (ROA) | 0.6965% | 3,949 |
| Pretax return on assets | 1.0261% | 3,370 |
| Return on Equity (ROE) | 8.2753% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.2753% | 1,221 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1397% | 3,480 |
| Assets per employee ($millions) | 5.8558% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 4,470 |
| Loan loss allowance to noncurrent loans | 984.2105% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 4,916 |
| Noncurrent loans to loans | 0.1208% | 5,654 |
| Net loans and leases to total assets | 58.9750% | 3,864 |
| Net loans and leases to deposits | 65.9180% | 4,276 |
| Net loans and leases to core deposits | 77.3640% | 3,503 |
| Total domestic deposits to total assets | 89.4672% | 1,107 |
| Equity capital to assets | 9.2425% | 5,049 |
| Core capital (leverage) ratio | 9.9665% | 3,661 |
| Tier 1 risk-based capital ratio | 14.1241% | 4,177 |
| Total risk-based capital ratio | 15.1222% | 4,287 |
| Memoranda: | ||
| Average total assets | $53,406,670 | 5,823 |
| Average earning assets | $49,069,670 | 5,813 |
| Average equity | $4,495,330 | 6,094 |
| Average total loans | $32,038,000 | 5,573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 1,378 |
| Cost of funding earning assets | 0.6399% | 1,648 |
| Net interest margin | 4.0093% | 1,725 |
| Noninterest income to average assets | 0.3423% | 4,640 |
| Noninterest expense to average assets | 2.9688% | 2,984 |
| Loan and lease loss provision to assets | 0.1637% | 1,488 |
| Net operating income to assets | 0.6101% | 4,152 |
| Return on assets (ROA) | 0.6101% | 4,231 |
| Pretax return on assets | 0.8929% | 3,724 |
| Return on Equity (ROE) | 7.6146% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.6146% | 1,763 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7523% | 3,191 |
| Assets per employee ($millions) | 5.4396% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,047 |
| Loan loss allowance to noncurrent loans | 944.7368% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 5,012 |
| Noncurrent loans to loans | 0.1182% | 5,764 |
| Net loans and leases to total assets | 58.4381% | 3,773 |
| Net loans and leases to deposits | 65.8273% | 4,118 |
| Net loans and leases to core deposits | 77.2923% | 3,280 |
| Total domestic deposits to total assets | 88.7749% | 1,789 |
| Equity capital to assets | 8.2506% | 5,866 |
| Core capital (leverage) ratio | 9.7706% | 3,903 |
| Tier 1 risk-based capital ratio | 13.6132% | 4,597 |
| Total risk-based capital ratio | 14.5552% | 4,751 |
| Memoranda: | ||
| Average total assets | $53,759,000 | 5,871 |
| Average earning assets | $49,385,000 | 5,860 |
| Average equity | $4,307,500 | 6,182 |
| Average total loans | $32,329,500 | 5,617 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 1,060 |
| Cost of funding earning assets | 0.7671% | 1,396 |
| Net interest margin | 4.1519% | 1,492 |
| Noninterest income to average assets | 0.3119% | 5,110 |
| Noninterest expense to average assets | 2.8708% | 3,458 |
| Loan and lease loss provision to assets | 0.1401% | 2,556 |
| Net operating income to assets | 0.7353% | 3,629 |
| Return on assets (ROA) | 0.8106% | 3,335 |
| Pretax return on assets | 1.2383% | 2,422 |
| Return on Equity (ROE) | 9.1805% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.3422% | 3,854 |
| Net charge-offs to loans | 0.2075% | 2,801 |
| Credit loss provision to net charge-offs | 115.3846% | 2,095 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 2,374 |
| Efficiency ratio | 69.4532% | 3,928 |
| Assets per employee ($millions) | 5.3122% | 1,834 |
| Cash dividends to net income (ytd only)* | 63.5945% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 5,389 |
| Loan loss allowance to noncurrent loans | 886.8421% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 5,081 |
| Noncurrent loans to loans | 0.1169% | 5,855 |
| Net loans and leases to total assets | 60.5681% | 3,616 |
| Net loans and leases to deposits | 66.8669% | 4,193 |
| Net loans and leases to core deposits | 78.5446% | 3,293 |
| Total domestic deposits to total assets | 90.5802% | 766 |
| Equity capital to assets | 7.7689% | 6,150 |
| Core capital (leverage) ratio | 9.5435% | 4,197 |
| Tier 1 risk-based capital ratio | 13.3488% | 4,747 |
| Total risk-based capital ratio | 14.2301% | 4,937 |
| Memoranda: | ||
| Average total assets | $53,539,800 | 5,928 |
| Average earning assets | $49,279,200 | 5,914 |
| Average equity | $4,727,400 | 6,135 |
| Average total loans | $31,327,200 | 5,695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 958 |
| Cost of funding earning assets | 0.7877% | 1,393 |
| Net interest margin | 4.2038% | 1,317 |
| Noninterest income to average assets | 0.3057% | 5,259 |
| Noninterest expense to average assets | 2.8011% | 3,662 |
| Loan and lease loss provision to assets | 0.1491% | 2,406 |
| Net operating income to assets | 0.7894% | 3,403 |
| Return on assets (ROA) | 0.8799% | 3,053 |
| Pretax return on assets | 1.3546% | 2,099 |
| Return on Equity (ROE) | 9.6769% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.6769% | 864 |
| Net charge-offs to loans | 0.2793% | 2,154 |
| Credit loss provision to net charge-offs | 92.3077% | 2,575 |
| Earnings coverage of net charge-offs (x) | 8.4466% | 2,622 |
| Efficiency ratio | 67.2434% | 4,249 |
| Assets per employee ($millions) | 5.3392% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,610 |
| Loan loss allowance to noncurrent loans | 847.3684% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 5,034 |
| Noncurrent loans to loans | 0.1213% | 5,966 |
| Net loans and leases to total assets | 58.0799% | 4,000 |
| Net loans and leases to deposits | 66.1886% | 4,279 |
| Net loans and leases to core deposits | 71.9523% | 4,099 |
| Total domestic deposits to total assets | 87.7491% | 2,273 |
| Equity capital to assets | 8.6024% | 5,620 |
| Core capital (leverage) ratio | 10.0195% | 3,656 |
| Tier 1 risk-based capital ratio | 15.9818% | 3,203 |
| Total risk-based capital ratio | 16.9526% | 3,304 |
| Memoranda: | ||
| Average total assets | $53,644,250 | 5,992 |
| Average earning assets | $49,255,750 | 5,978 |
| Average equity | $4,877,500 | 6,176 |
| Average total loans | $31,031,000 | 5,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 930 |
| Cost of funding earning assets | 0.8107% | 1,366 |
| Net interest margin | 4.1752% | 1,345 |
| Noninterest income to average assets | 0.2978% | 5,323 |
| Noninterest expense to average assets | 2.7955% | 3,689 |
| Loan and lease loss provision to assets | 0.1489% | 2,473 |
| Net operating income to assets | 0.7637% | 3,500 |
| Return on assets (ROA) | 0.8971% | 2,958 |
| Pretax return on assets | 1.3959% | 1,948 |
| Return on Equity (ROE) | 9.6936% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.6936% | 914 |
| Net charge-offs to loans | 0.0582% | 3,872 |
| Credit loss provision to net charge-offs | 444.4444% | 610 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 926 |
| Efficiency ratio | 67.6577% | 4,239 |
| Assets per employee ($millions) | 5.2958% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,080 |
| Loan loss allowance to noncurrent loans | 345.1923% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 4,689 |
| Noncurrent loans to loans | 0.3426% | 5,442 |
| Net loans and leases to total assets | 56.6392% | 4,189 |
| Net loans and leases to deposits | 62.7510% | 4,658 |
| Net loans and leases to core deposits | 68.0962% | 4,486 |
| Total domestic deposits to total assets | 90.2602% | 883 |
| Equity capital to assets | 8.7371% | 5,505 |
| Core capital (leverage) ratio | 9.6829% | 3,959 |
| Tier 1 risk-based capital ratio | 15.8839% | 3,269 |
| Total risk-based capital ratio | 16.9830% | 3,293 |
| Memoranda: | ||
| Average total assets | $53,728,330 | 6,028 |
| Average earning assets | $49,339,000 | 6,014 |
| Average equity | $4,972,330 | 6,190 |
| Average total loans | $30,930,670 | 5,806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 920 |
| Cost of funding earning assets | 0.8293% | 1,372 |
| Net interest margin | 4.1545% | 1,312 |
| Noninterest income to average assets | 0.1996% | 6,048 |
| Noninterest expense to average assets | 2.8680% | 3,469 |
| Loan and lease loss provision to assets | 0.0739% | 3,397 |
| Net operating income to assets | 0.6801% | 3,782 |
| Return on assets (ROA) | 0.6801% | 3,937 |
| Pretax return on assets | 1.0718% | 3,067 |
| Return on Equity (ROE) | 7.1526% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.1526% | 2,088 |
| Net charge-offs to loans | 0.0641% | 3,181 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 949 |
| Efficiency ratio | 71.4549% | 3,724 |
| Assets per employee ($millions) | 6.6656% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,648 |
| Loan loss allowance to noncurrent loans | 319.2308% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 4,828 |
| Noncurrent loans to loans | 0.3412% | 5,550 |
| Net loans and leases to total assets | 56.5420% | 4,003 |
| Net loans and leases to deposits | 63.1898% | 4,395 |
| Net loans and leases to core deposits | 68.5827% | 4,233 |
| Total domestic deposits to total assets | 89.4796% | 1,368 |
| Equity capital to assets | 9.6540% | 4,637 |
| Core capital (leverage) ratio | 9.4998% | 4,080 |
| Tier 1 risk-based capital ratio | 15.5897% | 3,477 |
| Total risk-based capital ratio | 16.6167% | 3,565 |
| Memoranda: | ||
| Average total assets | $54,113,500 | 6,073 |
| Average earning assets | $49,681,500 | 6,057 |
| Average equity | $5,145,000 | 6,204 |
| Average total loans | $31,219,000 | 5,836 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 1,025 |
| Cost of funding earning assets | 1.0995% | 908 |
| Net interest margin | 4.1453% | 1,838 |
| Noninterest income to average assets | 0.2915% | 5,383 |
| Noninterest expense to average assets | 2.9508% | 3,460 |
| Loan and lease loss provision to assets | 0.3738% | 1,752 |
| Net operating income to assets | 0.5366% | 4,533 |
| Return on assets (ROA) | 0.6092% | 4,456 |
| Pretax return on assets | 0.9082% | 3,891 |
| Return on Equity (ROE) | 6.3215% | 4,005 |
| Retained earnings to average equity (ytd only) | 1.1441% | 5,300 |
| Net charge-offs to loans | 0.7829% | 1,492 |
| Credit loss provision to net charge-offs | 80.9717% | 3,795 |
| Earnings coverage of net charge-offs (x) | 2.5425% | 4,144 |
| Efficiency ratio | 71.5451% | 3,512 |
| Assets per employee ($millions) | 6.1002% | 1,220 |
| Cash dividends to net income (ytd only)* | 81.9018% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 5,884 |
| Loan loss allowance to noncurrent loans | 223.9726% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 4,663 |
| Noncurrent loans to loans | 0.4569% | 5,365 |
| Net loans and leases to total assets | 57.6081% | 4,043 |
| Net loans and leases to deposits | 64.7717% | 4,454 |
| Net loans and leases to core deposits | 70.1426% | 4,291 |
| Total domestic deposits to total assets | 88.9403% | 1,601 |
| Equity capital to assets | 9.3658% | 5,045 |
| Core capital (leverage) ratio | 9.0483% | 4,818 |
| Tier 1 risk-based capital ratio | 14.4789% | 4,049 |
| Total risk-based capital ratio | 15.4359% | 4,214 |
| Memoranda: | ||
| Average total assets | $53,510,200 | 6,103 |
| Average earning assets | $49,477,600 | 6,072 |
| Average equity | $5,157,000 | 6,256 |
| Average total loans | $31,548,400 | 5,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 1,357 |
| Cost of funding earning assets | 1.1424% | 890 |
| Net interest margin | 3.9877% | 2,549 |
| Noninterest income to average assets | 0.2558% | 5,731 |
| Noninterest expense to average assets | 2.7588% | 4,141 |
| Loan and lease loss provision to assets | 0.3511% | 1,856 |
| Net operating income to assets | 0.5561% | 4,597 |
| Return on assets (ROA) | 0.6521% | 4,398 |
| Pretax return on assets | 0.9856% | 3,773 |
| Return on Equity (ROE) | 6.7172% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.7172% | 2,271 |
| Net charge-offs to loans | 0.6996% | 1,577 |
| Credit loss provision to net charge-offs | 84.8485% | 3,466 |
| Earnings coverage of net charge-offs (x) | 2.8789% | 3,889 |
| Efficiency ratio | 69.8413% | 3,720 |
| Assets per employee ($millions) | 6.0868% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,694 |
| Loan loss allowance to noncurrent loans | 18.6731% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 3.8736% | 1,262 |
| Noncurrent loans to loans | 5.9254% | 699 |
| Net loans and leases to total assets | 56.9413% | 4,305 |
| Net loans and leases to deposits | 65.3558% | 4,552 |
| Net loans and leases to core deposits | 70.9109% | 4,388 |
| Total domestic deposits to total assets | 87.1251% | 2,593 |
| Equity capital to assets | 9.7516% | 4,850 |
| Core capital (leverage) ratio | 9.5857% | 4,136 |
| Tier 1 risk-based capital ratio | 15.3773% | 3,610 |
| Total risk-based capital ratio | 16.4197% | 3,675 |
| Memoranda: | ||
| Average total assets | $53,162,250 | 6,184 |
| Average earning assets | $49,249,750 | 6,149 |
| Average equity | $5,160,750 | 6,321 |
| Average total loans | $31,446,750 | 5,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 1,401 |
| Cost of funding earning assets | 1.1856% | 875 |
| Net interest margin | 3.9549% | 2,701 |
| Noninterest income to average assets | 0.2014% | 6,115 |
| Noninterest expense to average assets | 2.6566% | 4,585 |
| Loan and lease loss provision to assets | 0.3801% | 1,723 |
| Net operating income to assets | 0.5554% | 4,559 |
| Return on assets (ROA) | 0.7031% | 4,116 |
| Pretax return on assets | 1.0490% | 3,522 |
| Return on Equity (ROE) | 7.2544% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.2544% | 1,981 |
| Net charge-offs to loans | 0.7512% | 1,471 |
| Credit loss provision to net charge-offs | 84.7458% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.6949% | 3,663 |
| Efficiency ratio | 68.7316% | 3,988 |
| Assets per employee ($millions) | 5.2681% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,475 |
| Loan loss allowance to noncurrent loans | 2,094.1176% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 5,388 |
| Noncurrent loans to loans | 0.0559% | 6,538 |
| Net loans and leases to total assets | 57.0149% | 4,324 |
| Net loans and leases to deposits | 65.5436% | 4,565 |
| Net loans and leases to core deposits | 71.3665% | 4,373 |
| Total domestic deposits to total assets | 86.9877% | 2,768 |
| Equity capital to assets | 10.0226% | 4,299 |
| Core capital (leverage) ratio | 9.5994% | 4,001 |
| Tier 1 risk-based capital ratio | 15.6971% | 3,334 |
| Total risk-based capital ratio | 16.7987% | 3,368 |
| Memoranda: | ||
| Average total assets | $52,622,670 | 6,247 |
| Average earning assets | $48,750,000 | 6,207 |
| Average equity | $5,100,330 | 6,368 |
| Average total loans | $31,415,000 | 5,998 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 1,823 |
| Cost of funding earning assets | 1.2304% | 846 |
| Net interest margin | 3.7897% | 3,438 |
| Noninterest income to average assets | 0.3727% | 4,879 |
| Noninterest expense to average assets | 2.7608% | 4,203 |
| Loan and lease loss provision to assets | 0.4563% | 1,352 |
| Net operating income to assets | 0.4326% | 5,114 |
| Return on assets (ROA) | 0.7149% | 4,027 |
| Pretax return on assets | 1.1104% | 3,284 |
| Return on Equity (ROE) | 7.5042% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.5042% | 2,172 |
| Net charge-offs to loans | 0.3633% | 2,213 |
| Credit loss provision to net charge-offs | 206.8966% | 1,309 |
| Earnings coverage of net charge-offs (x) | 5.1034% | 2,438 |
| Efficiency ratio | 71.0372% | 3,613 |
| Assets per employee ($millions) | 5.8534% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,981 |
| Loan loss allowance to noncurrent loans | 50.4988% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 2,837 |
| Noncurrent loans to loans | 2.5919% | 2,515 |
| Net loans and leases to total assets | 57.9678% | 4,043 |
| Net loans and leases to deposits | 65.6223% | 4,426 |
| Net loans and leases to core deposits | 71.3555% | 4,244 |
| Total domestic deposits to total assets | 88.3355% | 2,106 |
| Equity capital to assets | 9.5385% | 4,742 |
| Core capital (leverage) ratio | 9.6033% | 3,912 |
| Tier 1 risk-based capital ratio | 14.8486% | 3,857 |
| Total risk-based capital ratio | 16.0557% | 3,850 |
| Memoranda: | ||
| Average total assets | $52,593,500 | 6,286 |
| Average earning assets | $48,763,500 | 6,246 |
| Average equity | $5,010,500 | 6,427 |
| Average total loans | $31,926,500 | 6,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 1,171 |
| Cost of funding earning assets | 1.5027% | 712 |
| Net interest margin | 3.9999% | 2,874 |
| Noninterest income to average assets | 0.3413% | 5,087 |
| Noninterest expense to average assets | 2.7339% | 4,610 |
| Loan and lease loss provision to assets | 0.6084% | 1,699 |
| Net operating income to assets | 0.4528% | 4,625 |
| Return on assets (ROA) | 0.5119% | 4,581 |
| Pretax return on assets | 0.7827% | 4,042 |
| Return on Equity (ROE) | 5.6016% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.1513% | 4,686 |
| Net charge-offs to loans | 1.2107% | 1,386 |
| Credit loss provision to net charge-offs | 76.6355% | 4,614 |
| Earnings coverage of net charge-offs (x) | 1.6379% | 4,542 |
| Efficiency ratio | 67.7701% | 4,407 |
| Assets per employee ($millions) | 5.8340% | 1,340 |
| Cash dividends to net income (ytd only)* | 61.5942% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,673 |
| Loan loss allowance to noncurrent loans | 406.5217% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 5,110 |
| Noncurrent loans to loans | 0.2796% | 6,166 |
| Net loans and leases to total assets | 61.9663% | 3,604 |
| Net loans and leases to deposits | 69.2609% | 4,236 |
| Net loans and leases to core deposits | 76.7358% | 3,876 |
| Total domestic deposits to total assets | 89.4679% | 1,284 |
| Equity capital to assets | 9.5151% | 4,863 |
| Core capital (leverage) ratio | 9.2053% | 4,457 |
| Tier 1 risk-based capital ratio | 14.2615% | 4,139 |
| Total risk-based capital ratio | 15.3527% | 4,206 |
| Memoranda: | ||
| Average total assets | $53,915,200 | 6,229 |
| Average earning assets | $49,776,000 | 6,202 |
| Average equity | $4,927,200 | 6,467 |
| Average total loans | $35,352,600 | 5,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 1,203 |
| Cost of funding earning assets | 1.5403% | 739 |
| Net interest margin | 3.9813% | 3,000 |
| Noninterest income to average assets | 0.3341% | 5,187 |
| Noninterest expense to average assets | 2.7075% | 4,693 |
| Loan and lease loss provision to assets | 0.3145% | 3,018 |
| Net operating income to assets | 0.6732% | 3,749 |
| Return on assets (ROA) | 0.6732% | 3,925 |
| Pretax return on assets | 0.9828% | 3,465 |
| Return on Equity (ROE) | 7.4403% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.4403% | 1,743 |
| Net charge-offs to loans | 0.7452% | 2,074 |
| Credit loss provision to net charge-offs | 63.6816% | 4,682 |
| Earnings coverage of net charge-offs (x) | 2.6269% | 3,802 |
| Efficiency ratio | 67.6074% | 4,399 |
| Assets per employee ($millions) | 6.0754% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,434 |
| Loan loss allowance to noncurrent loans | 106.3492% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 3,801 |
| Noncurrent loans to loans | 1.1347% | 4,652 |
| Net loans and leases to total assets | 60.1913% | 4,096 |
| Net loans and leases to deposits | 67.3570% | 4,715 |
| Net loans and leases to core deposits | 81.5037% | 3,407 |
| Total domestic deposits to total assets | 89.3615% | 1,218 |
| Equity capital to assets | 9.5411% | 5,019 |
| Core capital (leverage) ratio | 9.2337% | 4,567 |
| Tier 1 risk-based capital ratio | 14.3947% | 4,058 |
| Total risk-based capital ratio | 15.5392% | 4,097 |
| Memoranda: | ||
| Average total assets | $54,267,500 | 6,273 |
| Average earning assets | $50,032,250 | 6,242 |
| Average equity | $4,910,000 | 6,522 |
| Average total loans | $35,963,250 | 5,923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 1,225 |
| Cost of funding earning assets | 1.5769% | 767 |
| Net interest margin | 3.9562% | 3,062 |
| Noninterest income to average assets | 0.4101% | 4,595 |
| Noninterest expense to average assets | 2.7785% | 4,514 |
| Loan and lease loss provision to assets | 0.3621% | 2,620 |
| Net operating income to assets | 0.6540% | 3,779 |
| Return on assets (ROA) | 0.6540% | 3,903 |
| Pretax return on assets | 0.9311% | 3,504 |
| Return on Equity (ROE) | 7.3632% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.3632% | 1,707 |
| Net charge-offs to loans | 0.7328% | 2,041 |
| Credit loss provision to net charge-offs | 72.5926% | 4,001 |
| Earnings coverage of net charge-offs (x) | 2.5926% | 3,533 |
| Efficiency ratio | 68.2396% | 4,473 |
| Assets per employee ($millions) | 6.1504% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 5,260 |
| Loan loss allowance to noncurrent loans | 112.9199% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 2.0992% | 3,106 |
| Noncurrent loans to loans | 1.1153% | 4,804 |
| Net loans and leases to total assets | 61.8962% | 3,905 |
| Net loans and leases to deposits | 69.9896% | 4,438 |
| Net loans and leases to core deposits | 83.9158% | 3,228 |
| Total domestic deposits to total assets | 88.4362% | 1,897 |
| Equity capital to assets | 9.1339% | 5,379 |
| Core capital (leverage) ratio | 9.1533% | 4,484 |
| Tier 1 risk-based capital ratio | 13.4931% | 4,532 |
| Total risk-based capital ratio | 14.6822% | 4,570 |
| Memoranda: | ||
| Average total assets | $54,130,330 | 6,328 |
| Average earning assets | $50,099,000 | 6,286 |
| Average equity | $4,807,670 | 6,596 |
| Average total loans | $36,846,330 | 5,941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5977% | 1,059 |
| Cost of funding earning assets | 1.6374% | 709 |
| Net interest margin | 3.9604% | 2,867 |
| Noninterest income to average assets | 0.4260% | 4,488 |
| Noninterest expense to average assets | 2.9523% | 3,846 |
| Loan and lease loss provision to assets | 0.2840% | 2,875 |
| Net operating income to assets | 0.6054% | 4,006 |
| Return on assets (ROA) | 0.6054% | 4,074 |
| Pretax return on assets | 0.8595% | 3,665 |
| Return on Equity (ROE) | 6.9179% | 3,424 |
| Retained earnings to average equity (ytd only) | 6.9179% | 2,181 |
| Net charge-offs to loans | 0.6118% | 1,971 |
| Credit loss provision to net charge-offs | 65.5172% | 3,447 |
| Earnings coverage of net charge-offs (x) | 2.6379% | 3,023 |
| Efficiency ratio | 72.0803% | 3,846 |
| Assets per employee ($millions) | 5.9511% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,562 |
| Loan loss allowance to noncurrent loans | 95.9831% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 3,450 |
| Noncurrent loans to loans | 1.2649% | 4,576 |
| Net loans and leases to total assets | 68.9694% | 2,329 |
| Net loans and leases to deposits | 76.9423% | 3,266 |
| Net loans and leases to core deposits | 88.8023% | 2,503 |
| Total domestic deposits to total assets | 89.6378% | 1,400 |
| Equity capital to assets | 8.8312% | 5,445 |
| Core capital (leverage) ratio | 9.1418% | 4,386 |
| Tier 1 risk-based capital ratio | 12.6588% | 5,107 |
| Total risk-based capital ratio | 13.8406% | 5,155 |
| Memoranda: | ||
| Average total assets | $53,518,500 | 6,394 |
| Average earning assets | $49,591,500 | 6,352 |
| Average equity | $4,683,500 | 6,661 |
| Average total loans | $37,920,000 | 5,945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 1,696 |
| Cost of funding earning assets | 1.9767% | 658 |
| Net interest margin | 3.6886% | 4,397 |
| Noninterest income to average assets | 0.4297% | 4,679 |
| Noninterest expense to average assets | 2.7445% | 4,803 |
| Loan and lease loss provision to assets | 0.3774% | 3,857 |
| Net operating income to assets | 0.4671% | 4,241 |
| Return on assets (ROA) | 0.4671% | 4,409 |
| Pretax return on assets | 0.7174% | 3,910 |
| Return on Equity (ROE) | 5.2358% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.6755% | 4,679 |
| Net charge-offs to loans | 0.3486% | 4,272 |
| Credit loss provision to net charge-offs | 149.6296% | 2,422 |
| Earnings coverage of net charge-offs (x) | 4.3407% | 2,960 |
| Efficiency ratio | 71.4842% | 3,892 |
| Assets per employee ($millions) | 6.6846% | 871 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,359 |
| Loan loss allowance to noncurrent loans | 42.2084% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.5170% | 2,755 |
| Noncurrent loans to loans | 2.9210% | 2,612 |
| Net loans and leases to total assets | 71.0062% | 2,302 |
| Net loans and leases to deposits | 78.4821% | 3,434 |
| Net loans and leases to core deposits | 98.4113% | 1,758 |
| Total domestic deposits to total assets | 90.4744% | 848 |
| Equity capital to assets | 8.6710% | 5,624 |
| Core capital (leverage) ratio | 8.9049% | 4,689 |
| Tier 1 risk-based capital ratio | 12.3235% | 5,186 |
| Total risk-based capital ratio | 13.5450% | 5,177 |
| Memoranda: | ||
| Average total assets | $53,524,800 | 6,419 |
| Average earning assets | $49,476,600 | 6,388 |
| Average equity | $4,774,800 | 6,739 |
| Average total loans | $38,730,400 | 5,977 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 1,313 |
| Cost of funding earning assets | 2.0323% | 681 |
| Net interest margin | 3.7974% | 3,982 |
| Noninterest income to average assets | 0.2416% | 6,163 |
| Noninterest expense to average assets | 2.7594% | 4,641 |
| Loan and lease loss provision to assets | 0.3113% | 4,086 |
| Net operating income to assets | 0.4458% | 4,558 |
| Return on assets (ROA) | 0.4458% | 4,748 |
| Pretax return on assets | 0.6749% | 4,322 |
| Return on Equity (ROE) | 4.9625% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.9625% | 3,018 |
| Net charge-offs to loans | 0.1959% | 4,771 |
| Credit loss provision to net charge-offs | 219.2982% | 1,576 |
| Earnings coverage of net charge-offs (x) | 6.9472% | 2,416 |
| Efficiency ratio | 73.6702% | 3,386 |
| Assets per employee ($millions) | 6.6735% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 5,161 |
| Loan loss allowance to noncurrent loans | 52.6608% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.1391% | 3,283 |
| Noncurrent loans to loans | 2.3942% | 3,241 |
| Net loans and leases to total assets | 69.6767% | 2,814 |
| Net loans and leases to deposits | 77.6079% | 3,902 |
| Net loans and leases to core deposits | 100.8458% | 1,763 |
| Total domestic deposits to total assets | 89.7805% | 980 |
| Equity capital to assets | 9.3223% | 5,100 |
| Core capital (leverage) ratio | 9.1186% | 4,502 |
| Tier 1 risk-based capital ratio | 12.7053% | 4,809 |
| Total risk-based capital ratio | 13.9417% | 4,803 |
| Memoranda: | ||
| Average total assets | $53,536,750 | 6,491 |
| Average earning assets | $49,401,500 | 6,460 |
| Average equity | $4,809,250 | 6,808 |
| Average total loans | $38,801,500 | 6,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8189% | 1,383 |
| Cost of funding earning assets | 2.0898% | 682 |
| Net interest margin | 3.7292% | 4,238 |
| Noninterest income to average assets | 0.2501% | 6,124 |
| Noninterest expense to average assets | 2.7806% | 4,576 |
| Loan and lease loss provision to assets | 0.2613% | 4,310 |
| Net operating income to assets | 0.4217% | 4,652 |
| Return on assets (ROA) | 0.4217% | 4,809 |
| Pretax return on assets | 0.6382% | 4,441 |
| Return on Equity (ROE) | 4.7546% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.7546% | 3,039 |
| Net charge-offs to loans | 0.0255% | 5,979 |
| Credit loss provision to net charge-offs | 1,400.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 618 |
| Efficiency ratio | 75.5578% | 3,152 |
| Assets per employee ($millions) | 5.9994% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,175 |
| Loan loss allowance to noncurrent loans | 71.8417% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 3,434 |
| Noncurrent loans to loans | 1.7415% | 4,072 |
| Net loans and leases to total assets | 68.9971% | 3,131 |
| Net loans and leases to deposits | 76.5855% | 4,223 |
| Net loans and leases to core deposits | 105.3651% | 1,502 |
| Total domestic deposits to total assets | 90.0917% | 881 |
| Equity capital to assets | 9.0786% | 5,325 |
| Core capital (leverage) ratio | 8.9990% | 4,602 |
| Tier 1 risk-based capital ratio | 12.3766% | 4,967 |
| Total risk-based capital ratio | 13.5899% | 4,982 |
| Memoranda: | ||
| Average total assets | $53,586,330 | 6,533 |
| Average earning assets | $49,287,330 | 6,499 |
| Average equity | $4,753,330 | 6,860 |
| Average total loans | $39,177,330 | 6,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 1,486 |
| Cost of funding earning assets | 2.1509% | 686 |
| Net interest margin | 3.6419% | 4,530 |
| Noninterest income to average assets | 0.2473% | 6,177 |
| Noninterest expense to average assets | 2.8624% | 4,215 |
| Loan and lease loss provision to assets | 0.3372% | 3,365 |
| Net operating income to assets | 0.2248% | 5,601 |
| Return on assets (ROA) | 0.2248% | 5,720 |
| Pretax return on assets | 0.3971% | 5,297 |
| Return on Equity (ROE) | 2.5647% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.5647% | 4,597 |
| Net charge-offs to loans | 0.0100% | 5,449 |
| Credit loss provision to net charge-offs | 4,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 329 |
| Efficiency ratio | 79.5833% | 2,634 |
| Assets per employee ($millions) | 5.9350% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,724 |
| Loan loss allowance to noncurrent loans | 69.9225% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.0818% | 3,413 |
| Noncurrent loans to loans | 1.6566% | 4,264 |
| Net loans and leases to total assets | 72.0453% | 2,436 |
| Net loans and leases to deposits | 79.5876% | 3,728 |
| Net loans and leases to core deposits | 109.7163% | 1,296 |
| Total domestic deposits to total assets | 90.5233% | 725 |
| Equity capital to assets | 8.8121% | 5,528 |
| Core capital (leverage) ratio | 9.0255% | 4,519 |
| Tier 1 risk-based capital ratio | 11.7486% | 5,447 |
| Total risk-based capital ratio | 12.8717% | 5,517 |
| Memoranda: | ||
| Average total assets | $53,382,000 | 6,625 |
| Average earning assets | $49,095,500 | 6,585 |
| Average equity | $4,679,000 | 6,953 |
| Average total loans | $39,902,500 | 6,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1936% | 1,251 |
| Cost of funding earning assets | 2.5135% | 998 |
| Net interest margin | 3.6801% | 4,217 |
| Noninterest income to average assets | 0.2221% | 6,524 |
| Noninterest expense to average assets | 2.7371% | 5,209 |
| Loan and lease loss provision to assets | 0.8827% | 2,543 |
| Net operating income to assets | 0.0348% | 5,378 |
| Return on assets (ROA) | 0.0348% | 5,430 |
| Pretax return on assets | -0.0039% | 5,449 |
| Return on Equity (ROE) | 0.3864% | 5,417 |
| Retained earnings to average equity (ytd only) | 0.3864% | 4,691 |
| Net charge-offs to loans | 1.2135% | 2,029 |
| Credit loss provision to net charge-offs | 95.4071% | 5,807 |
| Earnings coverage of net charge-offs (x) | 0.9499% | 5,163 |
| Efficiency ratio | 75.6944% | 3,576 |
| Assets per employee ($millions) | 5.3349% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,418 |
| Loan loss allowance to noncurrent loans | 74.6789% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 4,096 |
| Noncurrent loans to loans | 1.3335% | 4,694 |
| Net loans and leases to total assets | 75.8477% | 1,841 |
| Net loans and leases to deposits | 83.6413% | 3,341 |
| Net loans and leases to core deposits | 123.2719% | 1,695 |
| Total domestic deposits to total assets | 90.6821% | 665 |
| Equity capital to assets | 8.7181% | 5,562 |
| Core capital (leverage) ratio | 8.7611% | 4,818 |
| Tier 1 risk-based capital ratio | 11.2129% | 5,705 |
| Total risk-based capital ratio | 12.1834% | 5,960 |
| Memoranda: | ||
| Average total assets | $51,770,800 | 6,644 |
| Average earning assets | $47,743,000 | 6,608 |
| Average equity | $4,658,800 | 7,062 |
| Average total loans | $39,472,400 | 6,139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1841% | 1,411 |
| Cost of funding earning assets | 2.5524% | 1,148 |
| Net interest margin | 3.6318% | 4,367 |
| Noninterest income to average assets | 0.2232% | 6,631 |
| Noninterest expense to average assets | 2.7379% | 5,158 |
| Loan and lease loss provision to assets | 0.1842% | 5,524 |
| Net operating income to assets | 0.4230% | 4,310 |
| Return on assets (ROA) | 0.4230% | 4,414 |
| Pretax return on assets | 0.6540% | 4,005 |
| Return on Equity (ROE) | 4.6630% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.6630% | 2,676 |
| Net charge-offs to loans | 0.0238% | 6,553 |
| Credit loss provision to net charge-offs | 1,014.2857% | 368 |
| Earnings coverage of net charge-offs (x) | 46.1586% | 680 |
| Efficiency ratio | 76.5602% | 3,410 |
| Assets per employee ($millions) | 5.4594% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,063 |
| Loan loss allowance to noncurrent loans | 40.8789% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 2.7421% | 2,536 |
| Noncurrent loans to loans | 2.9521% | 2,569 |
| Net loans and leases to total assets | 73.9257% | 2,545 |
| Net loans and leases to deposits | 88.5940% | 2,852 |
| Net loans and leases to core deposits | 126.3113% | 1,708 |
| Total domestic deposits to total assets | 83.4432% | 3,996 |
| Equity capital to assets | 8.6163% | 6,091 |
| Core capital (leverage) ratio | 9.2963% | 4,195 |
| Tier 1 risk-based capital ratio | 11.1544% | 5,806 |
| Total risk-based capital ratio | 12.3244% | 5,834 |
| Memoranda: | ||
| Average total assets | $51,376,250 | 6,712 |
| Average earning assets | $47,432,000 | 6,669 |
| Average equity | $4,660,750 | 7,124 |
| Average total loans | $39,122,750 | 6,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3108% | 1,182 |
| Cost of funding earning assets | 2.6635% | 1,131 |
| Net interest margin | 3.6473% | 4,179 |
| Noninterest income to average assets | 0.2147% | 6,764 |
| Noninterest expense to average assets | 2.7751% | 5,066 |
| Loan and lease loss provision to assets | 0.1193% | 5,934 |
| Net operating income to assets | 0.4493% | 4,293 |
| Return on assets (ROA) | 0.4493% | 4,399 |
| Pretax return on assets | 0.6958% | 4,011 |
| Return on Equity (ROE) | 4.8641% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.8641% | 2,580 |
| Net charge-offs to loans | 0.0363% | 5,948 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 29.2857% | 1,013 |
| Efficiency ratio | 77.2979% | 3,456 |
| Assets per employee ($millions) | 4.9116% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,194 |
| Loan loss allowance to noncurrent loans | 30.4172% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 3.6485% | 1,690 |
| Noncurrent loans to loans | 3.8123% | 1,795 |
| Net loans and leases to total assets | 78.4408% | 1,649 |
| Net loans and leases to deposits | 88.0074% | 3,169 |
| Net loans and leases to core deposits | 129.7992% | 1,586 |
| Total domestic deposits to total assets | 89.1298% | 1,203 |
| Equity capital to assets | 9.4796% | 4,639 |
| Core capital (leverage) ratio | 9.3960% | 4,029 |
| Tier 1 risk-based capital ratio | 11.5147% | 5,363 |
| Total risk-based capital ratio | 12.6340% | 5,420 |
| Memoranda: | ||
| Average total assets | $50,303,670 | 6,813 |
| Average earning assets | $46,555,000 | 6,771 |
| Average equity | $4,646,330 | 7,195 |
| Average total loans | $38,546,330 | 6,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 1,315 |
| Cost of funding earning assets | 2.6941% | 1,291 |
| Net interest margin | 3.6006% | 4,312 |
| Noninterest income to average assets | 0.2122% | 6,778 |
| Noninterest expense to average assets | 2.6013% | 5,441 |
| Loan and lease loss provision to assets | 0.1179% | 5,460 |
| Net operating income to assets | 0.4951% | 4,442 |
| Return on assets (ROA) | 0.4951% | 4,630 |
| Pretax return on assets | 0.8330% | 3,962 |
| Return on Equity (ROE) | 5.4293% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.4293% | 2,886 |
| Net charge-offs to loans | 0.0417% | 4,897 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,047 |
| Efficiency ratio | 73.2301% | 3,970 |
| Assets per employee ($millions) | 5.0996% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,228 |
| Loan loss allowance to noncurrent loans | 43.3498% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5904% | 2,210 |
| Noncurrent loans to loans | 2.6165% | 2,519 |
| Net loans and leases to total assets | 75.2079% | 2,456 |
| Net loans and leases to deposits | 87.9091% | 3,303 |
| Net loans and leases to core deposits | 129.3219% | 1,704 |
| Total domestic deposits to total assets | 85.5518% | 2,942 |
| Equity capital to assets | 9.1301% | 5,182 |
| Core capital (leverage) ratio | 9.1497% | 4,483 |
| Tier 1 risk-based capital ratio | 11.3298% | 5,572 |
| Total risk-based capital ratio | 12.4135% | 5,665 |
| Memoranda: | ||
| Average total assets | $50,897,500 | 6,826 |
| Average earning assets | $47,215,000 | 6,783 |
| Average equity | $4,641,500 | 7,241 |
| Average total loans | $38,330,000 | 6,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5811% | 2,572 |
| Cost of funding earning assets | 3.1895% | 1,227 |
| Net interest margin | 3.3916% | 5,692 |
| Noninterest income to average assets | 0.3733% | 5,709 |
| Noninterest expense to average assets | 2.4841% | 6,074 |
| Loan and lease loss provision to assets | 0.5560% | 2,590 |
| Net operating income to assets | 0.3356% | 5,418 |
| Return on assets (ROA) | 0.3356% | 5,238 |
| Pretax return on assets | 0.4984% | 4,978 |
| Return on Equity (ROE) | 3.7289% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.7289% | 2,814 |
| Net charge-offs to loans | 0.4872% | 2,409 |
| Credit loss provision to net charge-offs | 162.7907% | 3,170 |
| Earnings coverage of net charge-offs (x) | 3.0872% | 4,544 |
| Efficiency ratio | 70.2020% | 4,313 |
| Assets per employee ($millions) | 5.0799% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,035 |
| Loan loss allowance to noncurrent loans | 42.2660% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9942% | 1,535 |
| Noncurrent loans to loans | 2.6804% | 2,019 |
| Net loans and leases to total assets | 73.6983% | 3,184 |
| Net loans and leases to deposits | 82.2036% | 4,691 |
| Net loans and leases to core deposits | 125.9479% | 2,165 |
| Total domestic deposits to total assets | 89.6533% | 784 |
| Equity capital to assets | 9.1084% | 5,213 |
| Core capital (leverage) ratio | 8.9652% | 4,793 |
| Tier 1 risk-based capital ratio | 11.1677% | 5,573 |
| Total risk-based capital ratio | 12.2237% | 5,657 |
| Memoranda: | ||
| Average total assets | $50,359,800 | 6,760 |
| Average earning assets | $46,998,400 | 6,713 |
| Average equity | $4,532,200 | 7,319 |
| Average total loans | $35,305,800 | 6,404 |